vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX Pursuant to NY XXXX XXXX NY XXXX XXXX Capital One failed to honor XXXX Complaint Report XXXX South Grand Larceny Case XXXX XXXX XXXX ; further failed to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/2023. 

Capital Ones legal representation called XXXX XXXX, XX/XX/2023 at XXXX XXXX stating he had 1-Hour to agree to whatever settlement amount they offered. I am pleading the CFPB order provisional payment over {$10000.00} for their negligence to prevent XXXX XXXX , from banking while leaving the bank account # XXXX open, failure to file and failure to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I sent a letter to Resurgent capital services ( LVNV funding ) about verifying a debt. They said the debt was verified but I noted on this paperwork I was charged interest on the old debt which I heard was illegal. I new at this and don't know who I'm supposed to speak to. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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:
Accordance with the fair credit reporting act, the list of the account below has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681. 

1-Account name XXXX XXXX Account number XXXX Charge off 2-Account name XXXX XXXX Account number XXXX Charge off 3-Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Late payment 4-Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Deadcharge off 5-Account name XXXX XXXX XXXX Account number XXXX Account type Collection Has violated my right.

15 U.S.C 1681 section 602 A. states I have the right of my privacy.

15 U.S.C 1681 section604 A. It's also states 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 reporting containing any of the following items information any other adverse item of information, other than the record of conviction of crime which intent the report by more than seven years 68 awesome 15 U.S.C. 1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency 's if the person knows or has responsible 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 explanation
Consumer complaint received 2023-04-26 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: LEXISNEXIS
State: IL

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX RE : Consumer Number : XXXX RE : Case Number : XXXX For months now, Ive tried getting a copy of my consumer report from LexisNexis to no avail. LexisNexis keep sending a letter stating the documents Ive mailed were not legible, which is absurd! All of my documents were legible! 

Im asking CFPB to help me gain access to my consumer report from LexisNexis. Attach are all of my CLEAR documents to prove my identity and residents. 



Please mail me a copy of my LexisNexis consumer report to the abovementioned address on this letter. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
On multiple occasions Credence will continue to call my phone back to back I block one number they start to call from a different phone number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX I didn't authorize any inquiry to be made on my credit

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 2023-04-26 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-26 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CA

Complaint narrative:
XXXX I found out my personal information was stolen, items stolen were state identification, passport, computer, phone social security card, bank card, insurance cards and more. I filled a report with the XXXX Police Dept. I am having hardship with renting, leasing, opting credit and other accounts using my personal identification.

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 2023-04-26 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: CA

Complaint narrative:
XXXX I found out my personal information was stolen, items stolen were state identification, passport, computer, phone social security card, bank card, insurance cards and more. I filled a report with the XXXX Police Dept. I am having hardship with renting, leasing, opting credit and other accounts using my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Helbing Law Group
State: NM

Complaint narrative:
I have paid over {$12000.00} to this company for a service that at first was provided. Since my final payment in XXXX this company has not honored in finishing their agreement to settling 3 accounts. Once I finished my part of the arrangement and I fully paid, suddenly I became the easiest to ignore. I have called, emailed, used the webpage contact us, and my login access page. All attempts from me to contact anyone of authority to finish their side and resolve my 3 accounts have been fully ignored. I have had no success in getting this company to honor their end and finish settlements. In phone calls to this company, I have even had individuals claim they could not see details ( dates ) and even so much as they can not send me to another person for assistance ( while others can do both ). This company worked hard when I was making active payments and then I had them fully paid off in XXXX. Now conveniently since XXXX and early XXXX this company has done nothing to finish their side of the commitment and finish the resolution process on 3 accounts. Now this company not only has taken over {$12000.00} from me but they have NOT done the service I paid for, and they have worked to actively ignore me on all my communication attempts to get them to finish what they have been paid to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: MD

Complaint narrative:
XX/XX/XXXX - Opened Checking account with Upgrade.com using a promotional offer that credits {$400.00} to my checking account once I complete 3 debit card transactions by XX/XX/XXXX. I also opened a Credit account with Upgrade.com the same day. 

XX/XX/XXXX - Received Email confirmation the debit card was sent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - Received Email confirmation the CREDIT card was sent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I receive the CREDIT card in the mail at my home address on file with Upgrade.com. I still have not received the DEBIT card. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com, but the representative I spoke with wanted me to wait a few more days " just in case '' it arrived. She confirmed my address is correct. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com again to have my debit card replaced. The representative on the phone submitted another replacement request for the debit card. He confirmed my address is correct. 

XX/XX/XXXX - Received Email confirmation the debit card was resent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com again to escalate the issue as my address was confirmed to be correct by several different representatives. I asked the representative to escalate the issue and she said raised an internal ticket to the product team so they can manually send my card. 

XX/XX/XXXX - I still have not recieved the DEBIT card. I called into upgrade again to check on the status of the internal ticket and there had been no further updates to it. The representative on the phone asked for an update on the issue via the internal ticket. 

XX/XX/XXXX - Received Email confirmation the debit card was resent again to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I STILL have not received my debit card. There is no way to perform debit transactions with the checking account. There is no virtual card that can be utilized on the checking account. Furthermore, the Upgrade representatives I spoke with on the calls told me to call back later once I was closer to the promotion expiring to see if Upgrade will extend it. Upgrade has provided me no solutions in resolving this issue. They have repeatedly stated they do not expedite card ships under any circumstances and they have not provided me any other options or compensation other than repeatedly submitting requests for a new DEBIT card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY

Complaint narrative:
They are charging me utilities bills that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX I didn't authorize any inquiry to be made on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX I didn't authorize any inquiry to be made on my credit

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 2023-04-26 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX-I call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
After my credit card expired with CitiBank last year ( XX/XX/2022 ), the credit card company has refused to send me a replacement card. I have contact Citi 's customer service team and have spoke with a client account specialist. The client account specialist have asked me for verification. I provided the information. The client account specialist still refused to assist me with help to obtain a replacement card and told me that Citi would use a third party to skip trace locating where I actually live in order to send me a confirmation letter just to request a replacement card to an expired credit card account.

Citibank is deliberately attempting to sabotage my credit account with the Company and refuses to issue me a new card after repeatedly for several months. I will not pay the bank another dime until they have issued me a replacement card. I have made payments on time and have not been delinquent and as a card holder I should not be denied any request to receive a replacement credit card for an active 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 non-monetary relief
Consumer complaint received 2023-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for inaccurately reporting information on my credit report, which has caused significant financial harm to me. 

Recently, I applied for a home loan, but my application was denied due to my credit score being lower than expected. Upon reviewing my credit report, I discovered several errors, including incorrect dates, amounts, addresses and phone numbers. I took it a step further and highlighted the mistakes for them but nothing.These errors have significantly impacted my credit score and cost me the opportunity to secure a home loan. 

I have made several attempts to dispute these inaccuracies with the credit reporting agencies, but to no avail. Despite providing evidence that these items were either paid off or never even occurred, the agencies have refused to correct their mistakes. 

As a responsible consumer, I have always made timely payments and maintained a good credit history. It is unacceptable that the carelessness of these credit reporting agencies has caused me undue financial hardship. 

Therefore, I am seeking your assistance in rectifying this situation. I request that XXXX, XXXX, and TransUnion thoroughly investigate and correct the inaccuracies on my credit report. Additionally, I urge the CFPB to hold these agencies accountable for their negligence and to take necessary measures to ensure that this does not happen to other consumers. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-04-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2023 I wrote letters to Equifax, XXXX, and XXXX asking them to confirm and send me details on specific accounts that were reported on my credit. I sent demand comply letters for the information I so desperately need to get my credit in order on XX/XX/2023. As of today, XX/XX/2023, I have not received any required follow-up correspondence or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
XX/XX/2023 I wrote letters to XXXX, Experian, and XXXX asking them to confirm and send me details on specific accounts that were reported on my credit. I sent demand comply letters for the information I so desperately need to get my credit in order on XX/XX/2023. As of today, XX/XX/2023, I have not received any required follow-up correspondence or information.

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