vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XXXX XXXX I received a letter from XXXX XXXX XXXX attempting to collect a debt XXXX XXXX XXXX XXXXXXXX XXXX the original date this account opened was XX/XX/XXXX The charge off date was XX/XX/XXXX Statue of limitations in NYS XXXX  years. ( XXXX ) This account has LONG expired. Out the the blue XXXX day I get a letter saying I owe {$1000.00} in interest and {$1300.00} of the debt totaling {$2300.00}??? So to protect myself of deceptive I challenged the integrity of the debt the legaty by requesting a letter of validation in regards of the statue of limitations of the debt they are refusing to cooperate and explain WHEN the {$1000.00} in interest when did it all begin where are the dates why dont I see them? Continue to hound me the debt has long expired and an unscrupulous debt collector ( s ) are trying to take advantage by using deceptive behavior phone calls and I want this to STOP! The debt has expired!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX 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

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 2022-06-26 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a total of XXXX credit cards showing on all three major credit reporting agencies. While I was XXXX XXXX I placed a fraud protection on my account to make sure nothing like this would happen for the several years I would be unable to monitor it. At the beginning of 2021 I had my credit ran for a homeloan with my husband to then learn from the bank of these XXXX credit cards. The same thing happened to my husband. We have learned that my sister while in my home stole our credit and I informed all the credit cards companies and gave them police reports, as well as a letter detailing that it was impossible for us to open them while XXXX XXXX because they were supposed to call me prior to opening any credit card because my credit was on fraud protection alerts. It would have been impossible for them to speak to me because of the fact I was XXXX XXXX in the location I was in. IMPOSSIBLE. So I could have not open any credit cards. They have been unwilling to cancel the cards and delete them from my credit report. But they had no issues with charging them off because I refused to pay for cards that were fraud. My sister is now incarcerated because she was charge with stealing XXXX peoples credit cards and personal information to open cards. I am please asking for these to be asked to be deleted by your agency. I need the help from you because the credit card companies do not care that my service would have made it impossible for me to open them. They also failed to protect me and check with me per my fraud protection. Instead they ran my credit and allowed someone to open XXXX ( XXXX ) cards in my name. The cards are listed below. 

Capital One Credit Card : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: TN

Complaint narrative:
Currently garnishing my wages even though they already have the money owed. The collection with XXXX XXXX is also still listed on my credit accounts with two different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NY

Complaint narrative:
My first consumer complaint about Discover Card was XX/XX/2022, in regard to not being made aware of the ending of my 0 % interest payments. XX/XX/2022, XXXX XXXX, from Discover 's Executive Office of Customer Advocacy sent me the following email : Consumer Financial Protection Bureau inquiry Inbox Executive Office of Discover Financial Services XXXX XX/XX/2022, XXXXXXXX XXXX to me Dear XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau, dated XX/XX/2022. To ensure your concern is properly addressed, your inquiry has been forwarded to my attention at the XXXX XXXX XXXX XXXX XXXX within Discover. 



I am currently in the process of investigating your concern. A detailed response will be sent to you upon completion of my investigation. 



If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX, weekdays from XXXXXXXX XXXX to XXXXXXXX XXXX ( XXXX ). 



Sincerely, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX Discover I have called the above number and wasn't able to get ahold of anyone, nor have I heard from XXXX XXXX XX/XX/2022, there was a declined XXXX purchase that I did not make and reported my card as stolen. I spoke to a customer service representative who put in an order of a new card. I have been experiencing financial hardship for a year, yet I struggled to keep up with my minimum monthly payments. Now my monthly payments have gone up to {$100.00} and I just don't have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a total of XXXX credit cards showing on all three major credit reporting agencies. While I was XXXX XXXX I placed a fraud protection on my account to make sure nothing like this would happen for the several years I would be unable to monitor it. At the beginning of 2021 I had my credit ran for a homeloan with my husband to then learn from the bank of these XXXX credit cards. The same thing happened to my husband. We have learned that my sister while in my home stole our credit and I informed all the credit cards companies and gave them police reports, as well as a letter detailing that it was impossible for us to open them while XXXX XXXX because they were supposed to call me prior to opening any credit card because my credit was on fraud protection alerts. It would have been impossible for them to speak to me because of the fact I was XXXX XXXX in the location I was in. IMPOSSIBLE. So I could have not open any credit cards. They have been unwilling to cancel the cards and delete them from my credit report. But they had no issues with charging them off because I refused to pay for cards that were fraud. My sister is now incarcerated because she was charge with stealing XXXX peoples credit cards and personal information to open cards. I am please asking for these to be asked to be deleted by your agency. I need the help from you because the credit card companies do not care that my service would have made it impossible for me to open them. They also failed to protect me and check with me per my fraud protection. Instead they ran my credit and allowed someone to open XXXX ( XXXX ) cards in my name. The cards are listed below. 

Capital One : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Filed a complaint with Experian Credit Report Bureau. Because the Texas Higher Education Board reported XXXX loans on my credit as being late more than 30-days. The thing is that I had all my loans deferred while still in school and XXXX XXXX. I first reported to them and they agreed that it didn't make sense but never did delete it or report the change. So we informed Experian. We feel that Experian did not investigate properly and do their dudiligence of deleting this misinformation. If they would have done the research, they would have seen that all the loans were grouped together and there is about XXXX. XXXX XXXX of them reporting late does not make any sense. If they are grouped together in my payments, they would have all been late together. There has never been any payments on these accounts because they have always been deferred. The information is incorrect reporting and I need it to be deleted.

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 2022-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UPGRADE, INC.
State: AR

Complaint narrative:
I received an offer from XXXX XXXX XXXX of a balance transfer request with a zero percent APR. I accepted this offer from XXXX and requested a balance transfer from two credit cards on XX/XX/2022 : first amount was for {$400.00} from XXXX XXXX XXXX credit card ( ending in XXXX ), and second amount was for {$1000.00} from Upgrade , Inc. credit card ( ending in XXXX ). The problem is with the Upgrade , IncXXXX credit card. XXXX has completed the transfer from both credit cards, but the balance is still shown on the Upgrade , Inc. credit account. I tried reaching out to Upgrade , IncXXXX on XX/XX/2022 to ask why the balance was still showing on my account and informed them that the balance was showing on the XXXX account. The balance transfer request from XXXX asked for the address of the Credit Card Company for XXXXpgrade, so I submitted the only address that was shown on their home page, which was XXXX XXXX XXXX, XXXX XXXX, CA XXXX. When I told this to the customer representative at Upgrade, they said " XXXX XXXX? '' I informed him that this was the only address shown on their website. Another statement majically appeared on their home page a few days later ( underneath the XXXX XXXX address, stating : Not for payments, address can be found here. I was also told by this representative that since the payment from XXXX was sent to the Corporate address, that it may take up to three weeks to reach the correct address. The next payment on this credit card is due XX/XX/XXXX and I was hoping this transfer would be processed before this date so I could close this card before another automatic draft comes out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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 — Their investigation did not fix an error on your report
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
Filed a complaint with XXXX Credit Report Bureau. Because the Texas Higher Education Board reported 4 loans on my credit as being late more than 30-days. The thing is that I had all my loans deferred while still in school and Active Duty. I first reported to them and they agreed that it didn't make sense but never did delete it or report the change. So we informed XXXX. We feel that XXXX did not investigate properly and do their dudiligence of deleting this misinformation. If they would have done the research, they would have seen that all the loans were grouped together and there is about 6-7. S0 4 of them reporting late does not make any sense. If they are grouped together in my payments, they would have all been late together. There has never been any payments on these accounts because they have always been deferred. The information is incorrect reporting and I need it to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Americor Funding, LLC
State: ID

Complaint narrative:
I started using Americor for my consolidation of my debt in XXXX of XXXX. 

I have been making my payments consistently and on time and have never been late or missed a payment of {$300.00} a month. 

I have been sending all notices and have been in communication with them consistently and promptly as requested. 

At the beginning of XX/XX/XXXX I was served a lawsuit from XXXX Bank being represented by XXXX XXXX XXXX. The plaintiff is listed as XXXX XXXX XXXX XXXX. The Case No. is XXXX. The paperwork is dated XX/XX/XXXX. I was served the paperwork, I believe on XX/XX/XXXX. 

I notified Americor of this issue who informed me that they are not lawyers and do not staff any. However, I should sent the required reply and notify them that Americor is handling my debt and will be handling my case. 

I sent in the letter to the court and on XX/XX/XXXX. I recieved a letter from the court indicating they could not accept my response unless i paid a {$130.00} filing fee. Since i have recieved this response so late, I believe another response or paying the filing fee by this Monday will be too late and the courts will determine I have defaulted for not providing a response within the deadline since they did not accept my initial response. 

Americor has been taking my money and has not been paying my creditors. This has resulted in legal action against me and Americor does not appear to be capable of handling or resolving the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
They have been charge my account since XX/XX/2022 for overdrawn fee and now the charge me more than {$1000.00} overdrawn fee only very soon they will close my account. Im really concerned if its normal for a bank to charge more than {$1000.00} for fee only.

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 2022-06-26 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XX/XX/2022, someone tried to open a Target Credit Card in my name. They ran a hard inquiry credit report that correctly blocked them from opening a credit card, but the hard inquiry remains on my account. There is nothing Target can do about this, but I need this report open so that I can have the hard inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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: NM

Complaint narrative:
In accordance with the fair credit reporter act XX/XX/XXXX account number XXXX has violated my rights. 

1 ) 15 usc 1681 section 602 8 states i have the privacy 2 ) 15 usc 1681 section 604 2 I also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX Acct # XXXX Bank XXXX XXXX Acct # XXXX Bank XXXX XXXX Act # xxxxx XX/XX/XXXX Acct # XXXX XXXX Bank Acct # 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 2022-06-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian and XXXX show a public record on my credit profile. This public record seems to be a bankruptcy. The item is not mine and yet the verification comes back stating it is. They offer no true verification for me to prove its not mine. I called the courts that this seems to be filed with however they say they do not verify records and or identify who in fact the record belongs to. Because of this it is clear to say its somebody with a similar name and so the two bureaus keep it on my file. I need immediate relief and this to be removed as its not mine and dont belong to me

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 2022-06-26 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: PA

Complaint narrative:
XXXX and transUnion show a public record on my credit profile. This public record seems to be a bankruptcy. The item is not mine and yet the verification comes back stating it is. They offer no true verification for me to prove its not mine. I called the courts that this seems to be filed with however they say they do not verify records and or identify who in fact the record belongs to. Because of this it is clear to say its somebody with a similar name and so the two bureaus keep it on my file. I need immediate relief and this to be removed as its not mine and dont belong to me

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 2022-06-26 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: NM

Complaint narrative:
In accordance with the fair credit reporter act XX/XX/XXXX account number XXXX has violated my rights. 

1 ) 15 usc 1681 section 602 8 states i have the privacy 2 ) 15 usc 1681 section 604 2 I also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX Acct # XXXX Bank XXXX XXXX Acct # XXXX Bank XXXX XXXX XXXX # xxxxx XX/XX/XXXX Acct # XXXX XXXX Bank Acct # 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 2022-06-26 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: NM

Complaint narrative:
In accordance with the fair credit reporter actXX/XX/XXXX account number XXXX has violated my rights. 

1 ) 15 usc 1681 section 602 8 states i have the privacy 2 ) 15 usc 1681 section 604 2 I also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX Acct # XXXX Bank XXXX XXXX Acct # XXXX Bank XXXX XXXX Act # xxxxx XX/XX/XXXXAcct # XXXX XXXX Bank Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IN

Complaint narrative:
Cash App has taken {$990.00}. from me. On XX/XX/XXXX I reported the unauthorized transactions and they closed my ticket. I reached out again today as another {$790.00} WAS ILLEGALLY WITHDRAWN FROM MY ACCOUNT AGAIN. They do absolutely nothing to help, they do not protect their customers, they are aware of the issue and neglected to help now I am missing another {$790.00}. 

On XX/XX/26 at XXXX I reached out to their support team in the app and described the issue. I haven't even gotten a response since. I want to sue them for the {$990.00} they illegally cashed out from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.

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