vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.

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 2022-12-01 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: FL

Complaint narrative:
I checked my credit report and saw a medical collection appearing and this clearly a violation of 15 U.S. Code 1681a ( 3 ). There is a restriction on sharing of medical information. Here is the account appearing XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
I checked my credit report and saw a medical collection appearing and this clearly a violation of 15 U.S. Code 1681a ( 3 ). There is a restriction on sharing of medical information. Here is the account appearing 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 2022-12-01 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: CT

Complaint narrative:
I attempted to pay my credit card after my bank account with Capital One was closed. I reported an issue with online pay and I was told it was a technical issue. Eventually, I got to a representative who kept telling me to call. I told him I was XXXX and very sick and needed accessible chat or communication options. I was never provided a way to pay my bill while sick at home, and eventually capital one XXXX the chat function on my account for their app and website. I was unable to reach support and couldn't call due to my XXXX. This is unethical and infringes upon my rights as a XXXX person. When I first complained about the online pay not working, I was told it was a technical issue and that it would be fixed. I believe Capital One lied to me in order to accrue fees and subsequently close out my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: FL

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXXXXXX XXXX XXXX Account No - XXXX XXXX. XXXX XXXX- {$1300.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account XXXX XX/XX/XXXX I already contacted XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXXXXXX XXXX XXXX Account No - XXXX XXXX. XXXX XXXX- {$1300.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account XXXX XX/XX/XXXX I already contacted XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX  XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks 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 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXX XXXX XXXX Account No XXXX XXXX. Amount Owed {$170.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. XXXX XXXXXXXX performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks 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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have XXXX that accept tips on credit cards. For over 20 years when we get a request from issuing bank due to a larger than 20 % tip we would send in receipt of purchase and customers signed receipt. It would prove that yes customer wanted to tip over 20 % and would result in no charge back. The last few months CapitolOne is asking for this same information but not accepting our proof. They are saying we only got authorization for 20 % ( which they are aware that is all we are able to get ) and not only taking the tip back but charging up to a {$25.00} fee for everyone time There is no way for us to get a authorization for over 20 % and they know this. We have a lot of people that tip over 20 %. This is an unfair practice because there is no way for me to get the authorization. So they get that tip money back even know i am proving customer wanted my employee to get it and charging a fee I have numerous emails i can provide with my credit card processor and they just say they are just are frustrated as me with Capital One. Any help would greatly be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: SC

Complaint narrative:
Wisely pay by adp refused to help me resolve the issue on my account regarding transfers that was unauthorized to be made out of my account while I was in a comma. I immediately contacted them and instead of helping me by giving my money back they ended up closing my account and none of my funds of XXXX dollars was retrieved. 

I contacted wisely in XXXX of XXXX about the transfers out of my account. The transfers was made XX/XX/XXXX- XX/XX/XXXX while I was in a comma from a bad wreck and I was battling XXXX! I thought my money was fdic insured but I have received no protection. 

My name is XXXX XXXX I was born XX/XX/XXXX Last XXXX of ssn XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
This is debt I have no knowledge of this debt and I have told these people this repeatedly although they keep calling me they placed this on my credit report without my permission and refuse to remove it unless I paid them this amount owed by someone else. I refuse to pay this and they refuse to remove it from my credit report this is fraud and it is illegal they did not contact me by mail or phone until after I contacted them to remove this information off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: PA

Complaint narrative:
I went with XXXX to pay for college. I went with a variable rate, as I didnt have much choice. The interest rate started low ( which is still high ) at 11 %, but over the years they pushed it up to 12 %. I called them before the pandemic about what to do to get the rate down and I was told tough luck. I have always payed my loans on time, and I pay more than the minimum payment. Ive noticed in the past couple months that they have jacked up my interest. Last month it was 13 % and this month is 14 %. I owe XXXX on the loan and they are making it extremely difficult to successfully pay it off. Especially since they are XXXX up the prices in a recession when I can barely afford bread, milk, and toilet paper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXXXXXX XXXX Account No - XXXX 1. Amount Owed {$1000.00} 2. Placed in Collections XX/XX/XXXX 3. Last Verified Date XXXX XXXX XXXX  I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXXXXXX XXXX Account No - XXXX 1. Amount Owed {$1000.00} 2. Placed in Collections XX/XX/XXXX 3. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted.

In Accordance with the Fair Credit Report Act this company violated my rights.

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account.

Thanks 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 2022-12-01 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: GA

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 willful 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, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$8400.0XXXX 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 2022-12-01 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: GA

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 willful 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXX XXXX XXXX Account No - XXXX XXXX. Amount Owed {$200.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No XXXX performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks 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 2022-12-01 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: TX

Complaint narrative:
Help Please! I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXXXXXX XXXX XXXX Account # XXXX {$5000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : XXXX XXXX, Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: NY

Complaint narrative:
My credit score was XXXX I was told I was pre-approved for a XXXX  XXXX XXXX XXXX And if I applied my credit score wouldn't be affected. I was denied by XXXX XXXX and immediately my credit score was effect. My credit score drop down once I was denied. It even reflect on my credit score which I been trying to dispute with credit karma and still no resolution. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No XXXX XXXX. Amount Owed {$170.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation