vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
I am filing a complaint regarding a credit card dispute with Capital One. On XX/XX/scrub> 2024, I reported a fraudulent transaction involving a {$2500.00} payment for a motorcycle that was never delivered. The payment was made to XXXX XXXX XXXX, and I have provided all relevant documentation, including an invoice and communication with the seller, to Capital One. 

Despite my repeated follow-ups, Capital One denied my dispute on XX/XX/year>2024, without providing a clear explanation. I was informed that the case could not be reopened or appealed. I have called Capital One 11 times, each time being told to wait longer, but no resolution has been provided. The bank has also failed to send me any notification of the denial or the reasons behind it. 

Branch Ambassador : XXXX XXXX, Capital One N.A., XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX XXXX is the one hwo helped me to and he said that he dose not know anyone with that name XXXX in florida or in XXXX disput and gave me the clam nubers and here are the claim numbers XXXX  XXXX XXXX XXXX third XXXX Motorcycle Website : XXXX XXXX XXXX XXXX named XXXX the scammer he has the same addras as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX everything included in the pictuer that i uploaded XXXX of Motorcycle Website : XXXX XXXX is real general sales XXXX the i have talk to phone # XXXX XXXX XXXX or XXXX XXXX XXXX XXXX email XXXX location XXXX XXXX XXXX XXXX, XXXX, IL XXXX I am seeking assistance from the CFPB to resolve this issue, as Capital One 's handling of my dispute has been unsatisfactory and lacks transparency. 

Attachments : all the information is uploded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am filing this complaint against IC System Inc. for reporting fraudulent information on my credit report. The following account was added to my credit report without my authorization, and despite my attempts to address this issue, IC System Inc. has refused to provide assistance : - **Account Name : ** I C SYSTEM INC ( Also known as I.C . SYSTEM, INC ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account is fraudulent, and I believe it was opened due to identity theft. I contacted IC System Inc. to resolve this matter and spoke with several representatives, including XXXX, XXXX, XXXX, XXXX, and others. Unfortunately, all of them refused to assist me, and my calls were repeatedly disconnected. 

These actions are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2, which mandates the prompt removal of fraudulent information from a consumer 's credit report once the consumer has notified the credit reporting agency of identity theft. Additionally, under the California Consumer Credit Reporting Agencies Act ( California Civil Code 1785.16 ), IC System Inc. is required to conduct a reasonable investigation and correct any inaccurate or incomplete information. 

Their failure to provide adequate assistance and disconnecting my calls violates both federal and California state laws. As a XXXX individual, this lack of assistance has caused significant hardship, compounding the effects of the identity theft. 

I request that the CFPB take immediate action to ensure that IC System Inc. removes the fraudulent account from my credit report and that they are held accountable for their violations of my consumer 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 2024-08-28 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: Experian Information Solutions Inc.
State: CA

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 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
The credit card was used while I was on Vacation in XXXX XXXX XXXX, without my permission or authorization. 
On XX/XX/year> I received an email from barclasfraudalert @ XXXX AM about a potential fraudulent use. 
I contacted the bank Immediately and we discovered XXXX unauthorized transaction as follows : MERCHANT : AMOUNT : DATE : XXXX XXXX XXXX XXXX {$3300.00} XX/XX/year> XXXX RESTAURANTE XXXX XXXX XXXX {$84.00} XX/XX/year> XXXX XXXX XXXX {$4.00} XX/XX/year> XXXX XXXX XXXX in my possession when I made the call. 
XXXX  Fraud Departemnt initiated a investigation that concluded that since the card was in my possecion and the chip technology was used and the card was present at the time of purchased that I am responsible for these purchases. 
I did not make these purchases and the card could not be present unless it was cloned.

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 2024-08-28 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: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
After reviewing my consumer report I've noticed that this company is reporting a collection account stating that I owe them an alleged debt. Not only are they reporting this account to my credit unlawfully, but they're calling me nonstop throughout the day at unusual hours. I contacted the credit bureaus that has this debt reporting and asked them to not only investigate this account but remove it if it can not be properly verified. How can I owe a debt if there was never an agreement nor contract between me and the creditor reporting this account? I asked this creditor to cease all communications with me unless they can properly provide me all of the documentation asked in my letter. included in my complaint is a copy of my letter to the creditor and a copy of my consumer report with the unlawfully reporting account.

Violations committed by the creditor : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure th possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be v the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that informatio the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Southern management systems XXXX XXXX XXXX  XXXX XXXX fl XXXX. Did not try to contact me in any way prior to me receiving a letter from them on XX/XX/2024, which was sent on XX/XX/XXXX th of 2024 according to the outside of the letter. No email, no calls, no voicemails. nothing. On this letter it states i lived at XXXX XXXX, XXXX XXXX. I did not i Lived at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX fl XXXX. On this letter it also has the date of XX/XX/XXXX th of 2024 they received this information and I have until XX/XX/XXXX th of 2024 to pay XXXX which it does not show me a itemized bill just i owe {$350.00}. I moved from XXXX XXXX XXXX  on XXXX  XXXX XXXX and I gave the Key back to the office manager XXXX XXXX and I was expecting my full deposit of {$550.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
I closed my checking account with first commonwealth bank in XX/XX/XXXX was given the the amount of money left in the account. The bank didn't close the account until the next day XX/XX/XXXX and the account was charged over {$88.00} after I had closed the account the previous day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Dear XXXX, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX  FINCL According to my records, a late payment was reported for my account number XXXX in XXXX 2022 XXXX XXXX, equifax XX/XX/year> This information is incorrect and negatively affects my credit score. I have att empted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX 2022 XXXX XXXX, XX/XX/year> equifax late payment from my credit report. I further request that you notify the credit bureaus ( Equifax, XXXX and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by ALLY FINCL According to my records, a late payment was reported for my account number XXXX in Dicember 2022 XXXX experian, XXXX XX/XX/year> This information is incorrect and negatively affects my XXXX XXXX. I have att empted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX 2022 XXXX experian, XX/XX/year> XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,

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 2024-08-28 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: IL

Complaint narrative:
I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2024-08-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Dear XXXX Madam, According to the " Fair Debt Collection Act '' ( 15 USC 1692 et seq ) provide verification of the debt, as being true, correct, and Authentic, sworn by oath or affirmation with WET-INK SIGNATURE SIGNED under penalty of perjury, or provide a copy of a judgement, sworn by the WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant with twenty-one ( 21 ) calendar days of the receipt of notice. 

XXXX XXXX ( Debt Collector ) did not provide the sworn by oath or affirmation with WET-INK SIGNATURE SIGNED under penalty of perjury, or provide a copy of a judgement, sworn by the WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant with twenty-one ( 21 ) calendar days of the receipt of notice. But rather a letter to cease and desist, attachment 3.

Company response to consumer: Closed with non-monetary relief