vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I signed up for an annual XXXX subscription for a product that they sometimes called XXXX XXXX or XXXX XXXX ( now branded XXXX, I believe ), in XX/XX/XXXX. They offered two subscription tiers : monthly and annual. Originally, I was being double charged, both for an annual subscription as well as a monthly subscription. 

I tried contacting the XXXX multiple times to correct the double charging through their web support portal. At the time, they had a web-based form set up where you would type out your message, give your email address for them to contact you, and wait for a reply. They did not send confirmation emails, so there was no way to " prove ' that you had contacted them through this portal. No one ever contacted me as a result of my repeated support inquiries. 

After multiple contact attempts through their web form, I sent them an email directly to a email address listed on an XXXX website, https : XXXX. The relevant part of the form reads " To cancel your existing account, call XXXX Customer Support at XXXX or email XXXX with your cancellation request. '' I also tried calling them at this number, only to find it disconnected. In my email, I asked that they refund the double charges, and cancel future recurring charges. I can provide that email, but am withholding it for now because the instructions for submitting a complaint say to not include any personal or identifying information, and the email contains that information. 

I did not receive a response to that email either, so I began disputing the charges. To this day, XXXX continues charging my card every month, without any way for me to cancel the charge. Most recently, on XX/XX/XXXX, they increased the charge to {$79.00}. That charge is the source of this complaint. I disputed that charge, and the credit card company sided with the merchant, even though I provided documentation showing that I had attempted to cancel this subscription nearly a year earlier. 

It's also worth noting that this is a common problem : if you XXXX " XXXX won't let me cancel my subscription, '' You will find countless examples of people looking for help for this exact problem. There is even a class action lawsuit filed which speaks to many of the exact same issues I am facing : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 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:
To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/22. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX ALL INQUIRIES 10 ) ALL LATE PAYMENT Sincerely yours, 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 2022-10-20 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-20 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable 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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/22, I deposited a check for {$35000.00} at Citibank Branch Located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The check was deposited into my Business Checking. Account name : XXXX XXXX XXXX, account number XXXX. I am a signer on the account and my name is listed on account. 

The check was made out to me, XXXX XXXX and was issued by CA Covid19 Rent Relief Program through their bank XXXX XXXXXXXX XXXX XXXX. 

Approximately {$18000.00} was made available immediately I withdrew {$8500.00} as I was told by the teller at this location that they did not have enough cash on hand to deliver rest of the cash that was not on hold Teller advised that the release of the full amount of funds would occur on date XX/XX/22 On date XX/XX/22 I was informed that my account is being investigated and would likely be closed because of the amount of the check in question I was advised via customer service on date XX/XX/22 that my funds would not be available for XXXX days until an investigation has completed and account closed, at which time a check will be issued for funds in my account. 

My account is legitimate, my check is legitimate, I am legitimate This type of policies and or reckless rules should be outlawed If my account is being closed then I should be able to immediately withdraw my funds. They are essentially holding my funds in limbo with no cause. 

These funds are for government funded rent relief that I desperately needed to keep up with my mortgage. They are sabotaging any relief from the covid pandemic that I was about to receive, through laws that were passed by congress. 

Regulators and the Federal Reserve should put an end to this practice conducted by Citibank. 




I would like the Release of Covid 19 Rent relief Funds issued by the state of California, that is being held unlawfully and without legitimate cause. Since the check has already cleared, the funds should immediately be released to my possession. 

Congress passed laws passed laws to help people affected by Covid get relief, but this relief is being sabotaged by Citibank.

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 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Barclays calls me repeatedly, and when I answer, they immediately hang up. In addition, Barclay 's has not responded to mail correspondence regarding the debt they claim I owe.

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 2022-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have a store credit credit card with XXXX issued by Comenity Bank, I have just realized that since XX/XX/2022 they have failed to report my account to the 3 reporting agencies. My account has shown since XXXX of carrying a balance of {$460.00} giving me a 91 % utilization rate on this account when I am at a {$0.00} balance, this has affected my score. 

I have contacted the issuer with no assistance provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have submitted over XXXX investigations as well as mailed XXXX documents as regards LVNV Funding on my report they keep showing this company as having a open account and also a invalid Amount owed. Most of the fees Lvnv says i owe are from the submitting false paper work to court as well as fake summons served. I went to court submitted original loan amount XXXX dollars. XXXX dismissed and vacated judgment. But they illegally kept up fake judgments amounts they racked up without my knowledge and added that to what ever XXXX i owed and reported amount over a XXXX dollars. This company has engaged in tactics in the past and most likely continues of attacking injured people submitting false paper work to courts. And XXXX will not remove or show the effects of me getting out of dept. But as a honest and reliable credit agency XXXX is only agency showing true representation of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-20 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
This account reported to the credit bureau late XXXX to 60 days. when this account was open i was old this was not a credit base account. the creditor did not notify me that my account was not current. this account was placed on autopay in which a receipt was sent monthly stating that the bill was paid. No phone calls or letters that stated otherwise. 
I attempted to call multiple times to resolve the issue with no help just being passed on from XXXX person to another. This matter has caused serious mental distress being as though am due to settle on a home in the next XXXX weeks. I've been told this matter will correct itself and there's nothing more that can be done. 
in accordance with Fair credit reporting act XXXX  account ( Acima digital fkf simp ) and XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A states the right to privacy.

15 U.S.C 1681 section 604 A It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false 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
Consumer complaint received 2022-10-20 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank 's Discover Bank Consumer Privacy Statement says that Discover Bank does not share consumer personal information with nonaffiliates but has furnished my non public information to nonaffiliated third parties such as credit reporting agencies. I opt out of, consented or implied consented, reporting of this information. It is an invasion of my privacy and against the Privacy Act of 1974. There is no law that states Discover Bank MUST report any information about me to a third party. Removal of my personal information they have shared needs to be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
Rausch Sturm sent me a letter a couple weeks ago stating that they have either bought or are representing a company for debt collection purposes. I have yet to see proof that they are representing still but that's not my biggest issue. 

I sent them an electronic notice on XX/XX/XXXX to dispute and told them to ONLY keep communications to physical mail and email, that would make all other communication forms off limits. They then proceeded to attempt to call me on XX/XX/XXXX while I was working which I decided may have been a one and done breach of rights. However, they then decided to attempt calling me again while I was working today ( XX/XX/XXXX ) at which point I decided to file this formal complaint towards you, Rausch Sturm LLP. My communication rights have been violated. 

I sent another dispute request in today ( XX/XX/XXXX ) as well which will hopefully be honored as it once again specifies which forms of communication are appropiate.

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 2022-10-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
someone has obtained my personal information and has been trying to obtain credits because of this I have several excessive inquiries reporting to all 3 bureaus of credit reporting agencies these inquires are putting me in a. hardship I have sent letters to all 3 bureaus to inform and update my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief