vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
MIDLAND CREDIT MANAGEMENT CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX To : The Office of Registered Agent for MIDLAND CREDIT MANAGENT From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX. is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 



By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One ending XXXX with balance of over XXXX idispute this amount owed Capital One refuses to give access to online account XXXX 2021, I am informed card is still open, I requested a new card and sent a payment and requested statements. I have repeatedly requested and called and sent letters and nothing of what I requested has been done. Also to remove late fees I was hospitalized, and to remove late payments reported to credit. To substantial the charges, I am requesting a verification letter. Please also the amounts that I have paid are not accurately reported, there is no settlement offer, Capital One closed my card. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: MI

Complaint narrative:
All calls started in XXXX and have continued every single day since. They call every single day 2-3 times per day and im even making payments to them the XXXX of every month yet they still keep calling all the time. i can make a payment and they call the next day about another payment. they also tell you to borrow money from friends or neighbors to pay off the debt. at this point they are harassing me and annoying me calling so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
On XX/XX/XXXX, I went to a time share presentation with my new husband by XXXX, a subsidiary XXXX XXXX. The time share said they were using my social security number to check if I was eligible for the time share and mentioned along the way that I was eligible for a credit card. I told them I wasn't interested in any of the products and signed a piece of paper declining services. Later that day I received an email " confirming my new credit card from XXXX. '' At no point did I agree to a credit card and it was signed up for using my maiden name. I hadn't told the presenters I took my new husband 's name so they signed me up using my maiden name without ever asking my current name. They didn't even ask if I wanted the credit card but I had told them I didn't want to take on any more debt specifically. This is really bad. My new husband and I were in the process of applying for a HELOC to pay for our wedding and I am incredibly worried their fraud is going to prevent me from being able to pay for our wedding. I need help getting out of their credit card and repairing my credit score. Thank you for anything you can do!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX ending XXXX with balance of over XXXX idispute this amount owed XXXX XXXX refuses to give access to online account XXXX 2021, I am informed card is still open, I requested a new card and sent a payment and requested statements. I have repeatedly requested and called and sent letters and nothing of what I requested has been done. Also to remove late fees I was hospitalized, and to remove late payments reported to credit. To substantial the charges, I am requesting a verification letter. Please also the amounts that I have paid are not accurately reported, there is no settlement offer, XXXX XXXX closed my card. Please assist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I noticed on Transunion credit concerns. 

1. a ) Transunion XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Telephone # XXXX did inquiries on my credit XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries I am not familiar with or authorized any inquiries to my credit. 
b ) Also from Transunion XXXX XXXX did promotional inquiries on XX/XX/XXXX. 
Telephone # XXXX XXXX. XXXX inquiries without my knowledge XXXX  on XX/XX/XXXX telephone # XXXX. 
XXXX on XX/XX/XXXX telephone # XXXX XXXX. XXXX XXXX via XXXX Transunion interact on XX/XX/XXXX telephone # XXXX I did not authorize this inquiry how did they access my credit file when I have a freeze on it. 
How did these companies got into my credit with a freeze. 

Great concern : How did XXXX Bank Delaware was able to do a hard hit inquiry on my credit with a freeze. I contacted them at XXXX XXXX XXXX and they dont have any records of me. Then why was there a hard hit on my credit bureau account with Transunion. 
I told XXXX agent yesterday my concerns and she said she was transfer me to their security and I waited a minute then she hanged up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was offered and applied for an American Express XXXX XXXX XXXX card in XXXX XXXX with a XXXX miles bonus. I received the card a couple weeks later. I then met the requirements as AE acknowledges. But upon inquiring through a chat on XX/XX/XXXX about when the miles would be put in my account, they right then and there determined through a chat conversation that I was not going to receive the agreed upon bonus miles due to a list of possible reasons -- none of which seem warranted and were basically a laundry list of possible reasons of why I might be ineligible. AE had ample time to review my credit history before they accepted my application for this card and included bonus miles. They also should have notified me when they determined that they were going to break the agreed upon offer. THEY made me the offer, and I accepted. Unethical business practices like this need to be corrected. I feel I am owed the XXXX XXXX XXXX XXXX or equivalent cash reimbursement. Thank you for any help you can give. XXXX XXXX. 


Excerpt from chat of laundry list of POSSIBLE REASONS for denying bonus miles : I appreciate your patience. Upon checking your account it appears that your welcome offer has been declined. Based on your history with credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I went to a time share presentation with my new husband by XXXX, a subsidiary XXXX XXXX. The time share said they were using my social security number to check if I was eligible for the time share and mentioned along the way that I was eligible for a credit card. I told them I wasn't interested in any of the products and signed a piece of paper declining services. Later that day I received an email " confirming my new credit card from XXXX. '' At no point did I agree to a credit card and it was signed up for using my maiden name. I hadn't told the presenters I took my new husband 's name so they signed me up using my maiden name without ever asking my current name. They didn't even ask if I wanted the credit card but I had told them I didn't want to take on any more debt specifically. This is really bad. My new husband and I were in the process of applying for a HELOC to pay for our wedding and I am incredibly worried their fraud is going to prevent me from being able to pay for our wedding. I need help getting out of their credit card and repairing my credit score. Thank you for anything you can do!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a payment of {$360.00}, Capital One received the payment, the payment posted through my bank verifying Capital One received the payment yet Capital One has placed a 7 day hold on money they already received verifying the payment that was made. This is a practice that Capital One does without a consumers authorization nor notification or agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
The account just appeared on my credit report XX/XX/2022 out of nowhere in the amount of {$830.00}. I had nothing on my credit report for this amount anywhere. I have disputed it and asked for written verification of the debt from CENTRAL PORTFOLIO CONTROL, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MN XXXX with nothing heard back. I received ZERO written information via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: NJ

Complaint narrative:
Multiple accounts on my report that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Someone had tried to purchase a Credit Card with TJX rewards which was issued by Synchrony bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I never authorized anyone to report hard inquiries on my credit report therefore they must be removed Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I never authorized anyone to report hard inquiries on my credit report therefore they must be removed 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 2022-03-23 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: NJ

Complaint narrative:
Multiple accounts on my report that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Multiple accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I never authorized anyone to report hard inquiries on my credit report therefore they must be removed 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 explanation
Consumer complaint received 2022-03-23 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: PA

Complaint narrative:
Yes i was taking a look at my credit report and noticed these two inquiries on my Equifax credit report that i do not recognize the first one is XXXX XXXX  the inquiry date is XXXX Second one is XXXX XXXX XXXX  XXXX XXXX is XXXX the actions that were taken by the company was simply for me to call you guys or submit one of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/XXXX, I saw that a fraudulent check had been passed on my Wells Fargo checking account. I called the bank immediately ( and to their credit, I did receive the funds back from this first fraudulent check ). The representative froze the account and helped me open a new account. With the original account frozen, and the bank assured me that no transactions would clear that frozen account without my authorization. Based on this assurance, I did not concern myself with another missing check that had not yet been cashed. 

I then contacted the company to which I had mailed the missing check and learned that they did not receive it. I later filed a complaint with XXXXXXXX XXXX XXXX XXXXXXXX XXXX for stolen mail. Based on the assurances of Wells Fargo, I did not expect this stolen check to be cashed. 

On XX/XX/XXXX, I saw that the missing check had in fact been cashed ( see attachment ) despite the account being " frozen ''. I called Wells Fargo the same day and received a claim number for my dispute of this transaction. I was told to expect resolution in XXXX business days and that I could monitor the claim online on the Wells Fargo website. A second claim number appeared on the website. Eventually the website indicated that the claim had a closed status. However, the money had not been returned to my account. The website indicated that I could call XXXX for more information. On XX/XX/XXXX, I called this number and was repeatedly transferred to various departments within Wells Fargo, speaking to at least XXXX different individuals. None of them could use either of the claim numbers to look up the claim and none of them could tell me anything about the status of this claim. 
To date, I have not yet received the funds from the check that Wells Fargo wrongly allowed to clear the frozen account.

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