vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was approved for a new Venture credit card from Capital One on XX/XX/2023. The physical card was shipped to me on XX/XX/XXXX, XXXX was no tracking link provided for this. I waited to receive the card, but in the meantime I was able to use the credit card via a Virtual credit card number provided to me within the CapitalOne mobile app. On XX/XX/2023 I noticed in my app that my physical card showed as activated. I immediately went to recheck my mailbox and the surrounding area but not see any card. I also noticed a suspicious transaction of {$280.00} on my account to the merchant : XXXX XXXX  XXXX XXXX ( Capital One customer service informed me that this was an ATM transaction - cash advance - and XXXX XXXX  shows this location in XXXX XXXX, CA ). I was worried and proceeded to call the Capital One customer service line at XXXX on XX/XX/2023 to report the missing card and fraudulent transaction. The customer service representative told me that the transaction was done at an ATM at XXXX Pacific Time and that my card was activated via their IVR service. The card was blocked but Capital One has denied my fraud claim and I have lost the transaction amount plus interest and a cash advance fee as a result. 

I have since called Capital One several times to get support on this issue and have spent easily over 1-1.5 hours on the call with their team. I have been unable to appeal my decision or get any insight into - what phone number was used to activate my card- and how they came to their decision in my case. Their customer service team has been the height of unprofessionalism in all my engagements with credit card companies. They keep transferring me from person to person and no one takes responsibility to provide support in my case.

I have reported my case with the FTC but am at a loss on how to get my money back from this situation. I also maintain an HYSA account with Capital One, and have a strong credit report but they seem to not value that in their determination at all. 

1. They did not provide a tracking link for their physical card delivery 2. They allowed a third party using a phone number unrelated to my account, to activate my credit card 3. I have claimed responsibility for all other ( much larger ) transactions on the card, made with the virtual card number- and have only pointed out the cash advance which was done fraudulently and is a type of transaction I was not even aware of 4. They have caused me stress, mental strain and wasted hours of my time without providing adequate service and details on this issue, and refusing to even let me appeal it. I am on hold since 20+ minutes right now and no support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2023-07-18 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: CA

Complaint narrative:
In accordance with the fair credit react.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX  # XXXX has violated my rights 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 Also states that 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. Ant other adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the the person knows or has reasonable cause of 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 2023-07-18 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: CA

Complaint narrative:
In accordance with the fair credit react.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX  # XXXX has violated my rights 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 Also states that 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. Ant other adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the the person knows or has reasonable cause of believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: KS

Complaint narrative:
XXXX  through XXXXXXXX XXXX card services offered me a settlement in the amount of {$890.00} to settle my account in full of the payment was posted by XX/XX/2022. I called prior to the date and on that date again to advise I was posting the payment online. I posted the payment and received confirmation of the payment. 

Recently I received notification from Jefferson Capital Group saying they were collecting on it and my balance was {$2300.00}. I disputed it saying I had settled in full and sent them the email confirmation of payment I received. They sent me a response saying I didnt not provide proof. Im not sure what more to provide. I did exactly what XXXX asked and paid the amount in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Re : Dispute of XXXX XXXXXXXX Account # XXXX on Credit Report I am writing this letter to dispute the information you have reported in my consumer file relating to the aforementioned XXXX XXXXXXXX account. I have recently reviewed my credit report and found this account negatively reported, which I believe to be in error due to it being past the statute of limitations for reporting under Georgia law. 

According to my records, the last day of activity on this account was on XX/XX/XXXX as reported by TransUnion, while XXXX reports no data concerning this. As per Georgia 's law, the statute of limitations for reporting a debt is generally six years. Thus, this information should no longer be appearing on my credit report 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 non-monetary relief
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-17 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: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under the following circumstances and no other : ( 2 ) 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! 

CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under the following circumstances and no other : ( 2 ) 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! 

CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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:
Re : Dispute ofXX/XX/XXXXXXXX Account # XXXX on Credit Report I am writing this letter to dispute the information you have reported in my consumer file relating to the aforementioned XX/XX/XXXXXXXX account. I have recently reviewed my credit report and found this account negatively reported, which I believe to be in error due to it being past the statute of limitations for reporting under Georgia law. 

According to my records, the last day of activity on this account was on XX/XX/XXXX as reported by XXXX, while Equifax reports no data concerning this. As per Georgia 's law, the statute of limitations for reporting a debt is generally six years. Thus, this information should no longer be appearing on my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX please update all payment, all payment was made on time 2. Mistaken Identity XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. I did dot give them permission to check my credit XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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 2023-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION ASSOCIATES, LTD.
State: OK

Complaint narrative:
On XX/XX/XXXX I had XXXX and provider ordered sequential compression stockings to be worn at home for 2 weeks XXXX XXXX. Claim was submitted to XXXX XXXX XXXX XXXX XXXX for the amount of {$5900.00} by XXXX XXXX XXXX. Id not heard anything from the company or debt being owed until this past week, XX/XX/XXXX. A collection company called Collection Associates in Wisconsin sent a collections letter. I called and asked what it pertained to. They stated it had to do with sequential compression stockings. I wasnt sure which ones they may have been talking about since I wore some while in the XXXX, XXXX XXXX XXXX in XXXX, after XXXX and ones that I was ordered to wear by my provider once I was XXXX. I called the Providers office by whom they had been ordered. They stated they didnt show me owing anything at their facility and to try XXXX XXXX I called XXXX and they stated I owed nothing there and they would contact the XXXX XXXX XXXX representative. The representative called me and stated he showed me not owing anything and that the debt was most likely written off. I told him Id never received a bill. He stated that a 3rd party must have bought the debt and trying to collect. I called XXXX XXXX XXXX to see what the claim status was. I was told they could not give me a copy of the XXXX  but that it was denied because the company did not provide documentation showing that I wore the sequential compression stockings. The XXXX XXXX XXXX didnt respond to them or resubmit the claim. I was not aware that this was an issue. There would be no documentation since I took them home to wear. I do not know where to go from here. I do not feel that I owe this full amount since it was not submitted to my insurance company correctly or my insurance should have covered it. It was not resubmitted and I was not called nor mailed regarding that I owed anything. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
mr cooper all im asking from is for you guys to show compassion to me everything im telling you is truth i made up amount due as soon as i found out what was going on i understand your stance as well im just asking you guys to show compassion in this case my credit file fell over XXXX points due to this if you guys show compassion i agree this will never happen again please see my plight thabks ive been a good customer made all my payments got it on autopay what else can i do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: MO

Complaint narrative:
On XX/XX/23, the mortgage officer at my bank said I had 4 weeks to shop for other mortgage loans without it impacting my credit. On XX/XX/23, I confirmed this information with two different New American Funding agents. XXXX XXXX XXXX promised she would not do a hard inquiry and that nothing would be reported to credit bureau. I did not give XXXX permission to do a hard inquiry, but she did so without my consent. It is reflected on my credit report and has negatively impacted my credit score. This agent was deceptive and misleading and I feel New American Funding is not being ethical or law abiding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: CA

Complaint narrative:
I check my credit report and saw these 2 accounts being reported as late payments even if I always pay on time. I wanted these accounts to be investigated and delete the Late payment notice since I was not late and this is a violation of my rights. Below are the accounts appearing : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY EQUIFAX CONSUMER CREDIT REPORT, I AM CHECKING ALL INFORMATION THAT IS IN ACCURATE I CAME ACROSS SOME ACCOUNTS SHOWING SAME NAMES TWICE FOR ACCOUNTS 1. WHICH IS NATIONAL CREDIT ADJUSTER IS SHOWING TWICE ALSO SHOWING ACCOUNT OPEN ACCOUNT # XXXX. SECOND ACCOUNT UNDER NATIONAL CREDITOR XXXX ACCOUNT # XXXX ACCOUNT SHOWING OPEN AS WELL. 
XXXX XXXX XXXX, ACCOUNT # XXXXXXXX XXXX XXXX XXXX, ACCOUNT # XXXX THERE ARE SOME DISCREPANCIES, INACCURACY, WITH THESE SAME ACCOUNTS. I HAVE A LETTER FROM NATIONAL CREDIT ADJUSTERS, STATING THAT THEY WILL OR HAVE ASK THE CREDIT REPORTING AGENCIES TO REMOVE THE ACCOUNTS FROM MY CONSUMER CREDIT REPORT.

Company response to consumer: Closed with explanation