vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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: Atlanticus Services Corporation
State: CO

Complaint narrative:
XXXX Opened XXXX XXXX Balance limit is {$3000.00}. 
Balance at {$3100.00} Contacted XXXX about fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I overpaid my Kohls account by {$2700.00}. I contacted them to refund my account on XX/XX/XXXX. They assured me that it would take 10-14 days. I called back on XX/XX/XXXX and they told me that it should be to me by XX/XX/XXXX. I have not received anythind and I still show a credit of {$2700.00} on my account. Please help me, this shouldn't take this oong

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Collection Agency, Ltd.
State: WI

Complaint narrative:
In XX/XX/2020, I was contacted by XXXX XXXX about this account. I sent a letter to XXXX XXXX because I have a right to be treated by a collection agency with dignity and respect. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Calling and impersonating friends/relatives especially when you are taking advantage of elderly people Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. 

XXXX XXXX stopped calling and never provided any documentation about the debt. Now, Continental Collection is showing on credit reports. So I dont know who owns this account. Recently, I was checking my credit reports and noticed Continental Collection. Continental Collection has never provided any documentation to me about this debt or sent me any communication about this debt. In addition, they are increasing debt amount every month on credit reports. I dont know if they have the authority to do so. I have no knowledge of this account. I am retired and on Social Security at this time. I want all collection activity to cease and desist and this account removed from all credit reports. 

According to the fair credit reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by a FEDERAL law to verify through the physical verification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
My name is XXXX XXXX, I am filing the complaint on my own there is no third party involved. 

On XX/XX/2022 I sent AMEX a cease and desist letter requesting to stop all communication through all mediums. Along with this letter I sent a demand to validate the debt via another written letter. 

American Express has failed to comply with my request to cease all communication. I have received numerous calls and voicemails from this company since sending and them receiving my letters. I have a green certified mail receipt to prove that my letter was received on XX/XX/2022. Since this date, American Express has harassed my on numerous accounts by calling me, and emailing my person email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: LA

Complaint narrative:
Upon checking my credit in XXXX of 2020 and noticed that I had a collections on my credit report from this office. Upon contacting the office, It has been over 6 months since I complained about this matter and they have not seen this resolved. This is having a negative impact on my credit score.I have requested validation of the debt over 3 times, and they have failed to produce this. Additionally, on their own website, they state if they can not validate this within 30 days, they will delete the information from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: LA

Complaint narrative:
Upon checking my credit in XXXX of 2020 and noticed that I had a collections on my credit report from this office. Upon contacting the office, It has been over 6 months since I complained about this matter and they have not seen this resolved. This is having a negative impact on my credit score.I have requested validation of the debt over 3 times, and they have failed to produce this. Additionally, on their own website, they state if they can not validate this within 30 days, they will delete the information from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TX

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: TX

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have mailed, faxed, uploaded, and called all three Bureaus. XXXX said I wasnt me and they refused to investigate! 

This letter shall serve as formal notice of my intent to file a complaint with the CFPB, due to your blatant and objectionable disregard of the law.As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
There is an auto repair company that did work on my vehicle. It was completely damaged after a few days of taking it there. I took it back. The claimed it was something they could fix. 

They called and said they could not fix it and I had to have it towed out of there. They demanded XXXX. 

There is no pre-authorization or anything in writing authorizing them to do anything for XXXX. The car wouldn't even operate. 

The charge was on discover card. They found in favor of the auto place. Despite a police report for criminal mischief for the damage the auto place caused and no evidence showing authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I have mailed a dispute letter with supporting documentation twice regarding a couple of charges from XXXX on my Goldman Sachs XXXX XXXX. The first mailing was with no tracking number, however, I sent the 2nd submission as USPS Priority Mail, tracking : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachments for docs...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TX

Complaint narrative:
in accordance with the fair credit reporting ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 
in accordance with the fair credit reporting ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 6802 - Obligations with respect to disclosures of personal information ( i have a right to privacy ) 15 U.S.C 168` Section 604. Permissible purposes of consumer reports In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other inaccurate information and account number there's no real investigation ever conducted!! under FCRA section 611 ( a ) ( 6 ) & ( 7 ) i request you to give me full METHOD OF VERIFICATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I dont recognize some activities on my credits report! Such as some address added to it and some Collection credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Atlanticus Services Corporation
State: CO

Complaint narrative:
Fortiva XXXX Opened XX/XX/2022 Credit limit {$500.00} Charged {$510.00} Contacted Fortiva

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple letters have been sent out to Experian Credit Bureau. And they have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Experian Credit Bureau 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 2022-03-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This is my second report about XXXX bank. They sent us a letter saying we could defer our XXXX payment. 
Since XXXX I paid {$400.00} in XXXX ( late but less than 30 days ) They reported us as being more than 30 days late I paid {$400.00} in XXXX I paid {$400.00} in XXXX They have reported us as paying more than 30 days late in XXXX and XXXX to again ruin my credit. This seems to be an every 6 month or so thing they do trashing my credit and causing me to get denied for loans. 
They also have " Accidentally '' changed our payments from what our contract is {$340.00} a month to {$430.00} so they can screw us out of more interest ( Again ) We are on the 13th year of our 18 year mortgage and so far this year, they have charged us {$470.00} in interest alone when hardly anything should be going to interest, especially since I'm paid a couple of years ahead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NM

Complaint narrative:
Earlier tonight XXXX I tried to make a complaint. I think I typed too slowly or tried to upload too many documents. When I finished uploading documents it said the complaint was not saved. My complaint is against Discover because they don't seem to be trying to answer any questions about how I was scammed by XXXX XXXX and one of their merchants. I'm going to try to upload my 2 page complaint so it doesn't get timed out again. I authorized XXXX XXXX to charge on my Discover credit card for {$3400.00} to get rid of my timeshare legally. However, the charge appeared as from XXXX. Discover doesn't seem to answer any of my questions about how this fraud was perpetrated on me. They won't even clarify who really was the merchant at that time. Although XXXX was on the receipt, in the last few letters I received from Discover they list XXXX as the merchant. I tried to include many, but not all, of the documents I sent to Discover previously. Initially, after I called Discover on XX/XX/2021 to report that I had been scammed by XXXX XXXX, they credited my Discover card account and I thought they were looking into my dispute. However, recently they put that charge back onto my card even though they said they'd let me send more information to them. They didn't wait to get it. Instead they put the charge back on my card before I even received their letter telling me they were going to do that. Discover doesn't really seem to be looking into my dispute. My case is very similar to what happened to the timeshare owners in the case of XXXX XXXX versus XXXX. It was found to be a deceptive and fraudulent practice to promise a service they knew they could not deliver. Discover isn't even helping me get to the bottom of how this could have occurred to me with one of their merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW IMAGITAS, INC
State: CA

Complaint narrative:
Bank rate is advertising a 2.41 APR a 15 year fixed on XXXX. This rate is absolutely not available in any market, is misleading, and is in my mind false advertising. This is not the interest rate, this is the APR which includes points. There is no way this rate is available. I have checked rates and they are over 4 % currently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
ATTENTION TO AMERICAN EXPRESS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4000.00} does not belong to me. This account was fraudulently opened through this company AMERICAN EXPRESS in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
Fraud / Identity Theft 4 Accounts opened fraudulently Confirmed that all accounts were opened and approved completely online/ not reviewed by an actual person XXXX XXXX ( Personal unsecured Loans ) # 1. {$15000.00} XXXX Opened on XX/XX/XXXX Payment made : {$430.00} XX/XX/XXXX # 2. {$12000.00} XXXX Opened on XXXX XXXX XXXX Payment made : {$360.00} XXXX XXXX XXXX - spoke to at XXXX XXXX XXXX XXXX XXXX XXXX spoke XXXX XXXX # 3. XXXX XXXX Opened on XX/XX/XXXX {$9000.00} ( Personal unsecured loan ) ** keep sending me emails to prove this loan is not mine requesting time sensitive requests otherwise threatening to legitimize the debt ** customer service unable to transfer me to fraud dept. via phone # 4. XXXX XXXX XXXX ; now XXXX XXXX out of XXXX XXXX, FL Opened XX/XX/XXXX Routing # XXXX Account # XXXX ** Used phone number ( XXXX XXXX ) & email address that is not mine XXXX - ended up on my credit reports XXXX Used old address to send bank statements XXXX XXXX XXXX, XXXX, FL XXXX Where I have not lived for 9+ yrs Used fraudulently obtained bank account to deposit loan funds, and transfer monies to other accounts held by perpetrator All personal loan companies have continued to re-report the illegitimate accounts to the credit bureaus Equifax XXXX XXXX XXXX Security freeze/fraud alert Conf # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: IL

Complaint narrative:
I sent a dispute letter to all 3 credit bureaus : XXXX, Experian and XXXX in XX/XX/2022, they are reporting inaccurate information on my report from XXXX XXXX XXXX. I took a screenshot and explained the inaccuracy. I received my credit reports back and all bureaus stated the account was accurate and verified. Per the attached, this is inaccurate information. This is not fair to the consumer. This is affecting my life. Any information on your credit report should be 100 % accurate. XXXX XXXX XXXX along with the credit bureaus have violated my rights and the law. 

In accordance to the FCRA the laws state : 15 USC 1681 602 A Accuracy and fairness of credit reporting which states I have the right to privacy. 

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 e ( b ) Compliance and procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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