vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX Yesterday XX/XX/XXXX I call at XXXXXXXX XXXX and I explaine that i receive in my credit report a account in collection from XXXX XXXX The agent took all my personal information and he verified that I don't have an account with them. And he sugested for me to go personally to XXXX office which I did. 
Today XX/XX/XXXX Personally visit at XXXX the oficce located at XXXX XXXX XXXX with my ID and They verified all my information and agree that i dont have any account with them but still in my credit report and in collection. I desided to call XXXX XXXX and they had advise me to contact you. I will apreciatte is you take any action in this matter this account. 

XXXX XXXXXXXX Also yesterday XX/XX/XXXX I call at XXXXXXXX XXXX  the collection office that is in charge of this account and after having me an hour interviewing me I also explain that I had disputed three time this account she told me that I need to paid the whole amount and this account is not mine this is call FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
Received a bill from a collection agency in the mail on XX/XX/23. Called on the phone and was told I owed {$190.00} to XXXX XXXX in XXXX Texas. Ive never been to Texas and have had no utilities there! My DOB was used and I was told it was a case of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: NC

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. # XXXX Account name : XXXX Bank # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WI

Complaint narrative:
XXXX XX/XX/2022 I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT I am attaching information directly from the US bankruptcy court that states they do NOT share or VERIFY ANY information to any 3rd parties OR credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: MN

Complaint narrative:
In accordance with the fair credit reporting act. The list of closed accounts below has violated my federally Protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX 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 State : 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 1681 s-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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have sent payments in to American Express on several occasions and the payments are either sent back to the bank or deposited and not credited to the account. 

I have reached out to the XXXX  of American Express and they have not been able to resolve the problem. 

Other times I receive my bill late and by the time it needs to be paid I get a late fee and interest charges on my account. 

The last time I called American Express it took 2 hours on the phone and no progress. 

After making a complaint to the executives, I received a notice that all of my accounts were suspended and my credit limit was reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, I placed an order with XXXX. When it arrived, I informed the company that the product was not as advertised. The product was advertised as a 1.5 ct diamond bracelet, G quality, XXXX. When I contacted them, they said it was that quality, and I showed different diamonds I own with XXXX certs in comparison. They refused to acknowledge, so I took it to a jeweler to get appraised. The appraisal came back as I color, SI1-2 quality. The company still refused to do anything, so I took it up with Chase and presented all the information for the dispute. Chase finally wrote back XXXX saying they sided with the company and to give them a second opinion. I was out of the country at this point, but I had already provided the second opinion, an official appraisal, when I created the dispute. I called again on XXXX and they said I must return the bracelet because I can not have both the money returned and the bracelet in my possession ( despite the company not accepting my return for a refund ), so I sent the bracelet back. It was received on XX/XX/XXXX. I called and provided more information, and again today on XX/XX/XXXX. They now said it is " too late '' and they can not do anything about the dispute. I now have NO bracelet and NO money and I am out the money for the bracelet plus the appraisal money. Chase will no longer assist. This is fraud. I was defrauded from the first step and abandoned along the way. My bank did not offer fraud protection and I was let down severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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. My name should only be listed as XXXX XXXX XXXX. any other name is Fraudulent. Also the only address on my report that should be on any on my three reports is XXXX XXXX XXXX, XXXX XXXX, FL XXXX and the accounts that need to be deleted are ; XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29 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: NJ

Complaint narrative:
Hello My name is XXXX XXXX I have two hard inquiries that should of been soft pull from credit report but instead did a hard pull and I would like these inquiries deleted from my credit report. 
XXXX ) XXXX XXXX XXXX XXXX. Inquiry XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX Inquiry XX/XX/2022.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
This is my 3rd attempt contacting you all to recitfiy you all stop furnishing inaccurate different variations of my name and also stop furnishing addresses that are not mine. I have attatched a copy of my drivers licsense for you all to verify me and a copy of a utility bill. Also I have attatched my dispute so you all can delete all names and addresses that are not mine. I have a right to privacy so you all shoud have only 1 name for me and 1 address for me. I look forward to hearing from you all soon GOD bless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/2023, I spoke to Capital One representative about my credit card account. 

I explain to Capital One representative, that due to financial hardship I need help reducing interest added to my Capital one account. 

Capital One representative offered me a program for three months that will be interest free as long as I pay the minimum balance of {$52.00} on or before due date. 

My XXXX statement show Capital One added interest ( {$37.00} ) to my credit card balance, despite forbearance program I accepted in XX/XX/2023. 

I shouldn't have received interest added to my credit card balance due to forbearance program I accepted, when talking to Capital One representative on XX/XX/2023. 

If Capital One claim all calls are monitored, it shouldn't be a problem finding the conversation I had with their representative in XX/XX/2023. 

I have pay on time and have giving more than the minimum balance of {$52.00}. 

In addition. Capital One has not been good giving actual report of my credit card balance to The Three Credit Bureaus. It's Unfair. Not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
account was opened in my name and bank refuse to remove my name and social from the account with debit.. This account Identify Theft This account was open when I was in the hospital I never apply or use the card XXXX XXXX Account number XXXX .... 
Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1500.00} written off. {$1200.00} past due as of 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 2023-03-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA

Complaint narrative:
I CONTACTED COMPANY THEY WERE UNABLE TO LOCATE THE ACCOUNT THIS REPORT IS REGARDING GIVING ME NO WAY TO DISPUTE WITH THEIR COMPANY. HOWEVER WAS ABLE TO CERTIFY ITS ACCURACY THAT I INFACT DO OWN THE ACCOUNT AND AS A RESULT NO CHANGED WERE MADE ON MY CREDIT REPORT WHICH SHOWS THIS AS A NEGATIVE DEBT COLLECTION OF {$1000.00}..

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 explanation
Consumer complaint received 2023-03-29 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: OH

Complaint narrative:
I pulled my credit report and I noticed 2 separate accounts attached to a name that doesn't belong to me at all. Both companies have wrong personal information SSN, and Addresses. I have no idea how this information has crossed over, nor do understand this identity theft stuff, but I know the accounts below do not have any association to me whatsoever. According to FCRA I have the right to dispute all fraudulent items on my credit report. I am requesting that these accounts are deleted : XXXX XXXX and XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, 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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
This is in response to XXXX. I was asked to respond however there was no link to upload documents there so I opted to file a new dispute so I could upload documents. 

While I appreciate paypal doing their job I would like it on the record that they are not doing me any favors as their letter indicates. While PayPal is giving themselves a parade in honor of their great charitable deeds, they did not earn it. 

Those funds were owed as per our agreement, not any other reason. I did not " receive communication which alluded to my unauthorized claim being granted, '' as they state. I also did not " receive communication which I believed indicated my claim was accepted and I was being reimbursed. '' I did in fact actually receive a communication whic stated my claim was accepted and that the claim was closed in my favor. I have a message here from PayPal that says quite clearly, " We closed the case in your favour. '' I received this message before PayPal changed their mind and decided not to close the case in my favor the very next day. I am attaching images of my conversation with PayPals support agents. I will include documents for your review because it is important to me that these sort of issues be on the record as they occured. I will not have my name slandered by PayPal nor will I commend them on doing their job the proper way when they should handle business as agreed. I expect an apology out of this. I also requested records written records of the chat transcripts both current and past that PayPal never did provide me with after my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXXXXXX 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 may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information 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 2023-03-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My card has disappeared on or aroundXX/XX/2014. I called XXXX XXXX and reported I was not aware of charges. There were charges made out of town while I was in XXXX. My card was stolen and being charged. Now they sold my debt to the debt collector.

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 2023-03-29 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: McNeil & Meyers Asset Management Group, LLC
State: FL

Complaint narrative:
This company, McNeil & Meyers Receivables Management Group LLC of XXXX LA alleges I owe a company {$2000.00} for some service that was never rendered to me. They were representing a creditor who I have worked with in the past but due to them not actually performing their obligations to me, stopped paying. The collection company refuses to prove how they actually acquired this debt or how they came up with the number owed. 

Today on XX/XX/2023, I wrote to the company and their managing partner XXXX XXXX as above explaining that I do not owe anything to the creditor they are servicing on until they actually get the documentation proving that I am the signatory on the debt and a clear accounting of the debt. They refuse to give me anything as they said " we are merely a servicer '' which is vague. 

In the last email, the person who I was communicating with, I offered a settlement of {$100.00} even though I owe XXXX to the creditor to get them off my back and they refuse to discuss anything other than they will continue to report erroneous information to the credit bureaus and deliberately harm my reputation. They continue to behave like a child over this matter and I want to speak to a competent functioning adult who will treat me with respect.

Company response to consumer: Closed with explanation