vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-16 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:
I sent a letter to Transunion, XXXX, and XXXX not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.

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 2022-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
NCA collection agency says I owe a debt opened up XX/XX/2019 in the amount of {$2100.00}. NCA claims the original debt belongs to XXXX XXXX. I have called XXXX XXXX because I have never had any loan with this company. XXXX XXXX claims that they have no knowledge of the debt due to it being opened in Illinois and they no longer exist in illinois. I called NCA collection agency and requested they send me documentation for proof of me ever having this account and NCA refuses to fo do. Every time I dispute it they state its valid. I have never had a loan with XXXX XXXX. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( original creditor : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-16 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( original creditor : XXXX XXXX XXXX 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 2022-04-16 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: LA

Complaint narrative:
On XXXX XXXX, a charge of {$76.00} by the vendor XXXX for an item. On XXXX XXXX, I was informed by XXXX that the item could not sold, and so did a refund. The card issuer Capital One has not posted a refund, something that should have been done in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank has decreased my credit limit on all three of my credit cards : XXXXXXXX XXXX XXXX XXXX Credit Card XXXX XXXX  The bank has not given me a valid reason & I would like for my limits to go back to their original limits

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 2022-04-16 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:
n accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX Account # XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX, Equifax, and XXXX not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to XXXX, XXXX, and Experian not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.

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 2022-04-16 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The credit Bureaus never did a proper ''investigation '' according to the FCRA . 


Th term ''investigation consumer report '' means a consumer report or potion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

They also violated the law because according to 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 I did not give nobody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The credit Bureaus never did a proper ''investigation '' according to the FCRA XXXX 


Th term ''investigation consumer report '' means a consumer report or potion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

They also violated the law because according to 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 I did not give nobody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: LA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/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 2022-04-16 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: CA

Complaint narrative:
The account XXXX credit card and the student loan account XXXX  is fraud. They do not belong to me. This complaint is a follow up to my complaint submitted a few weeks ago. In this complaint I have attached a police report. The detective has released the report and they have possible lead on the suspect.

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 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Almost XXXX  dollars was fraudulently withdrawn from my account. Chase bank did little to no investigation and denied my claim without any just reason. they made a hasty decision thats cost me XXXX  dollars. Set me behind on rent and put me In a horrible situation. They dont care or value their customers and they dont even provide the safety and security you would expect from an institution tasked with the protection of of our assets

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The account XXXX credit card and the XXXX XXXX account XXXX  is fraud. They do not belong to me. This complaint is a follow up to my complaint submitted a few weeks ago. In this complaint I have attached a police report. The detective has released the report and they have possible lead on the suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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:
n accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX  Account # XXXX 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 an 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 2022-04-16 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:
n accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: Conn's, Inc.
State: TX

Complaint narrative:
Conns XXXX XXXX is reporting my account is pass due when a payment in the amount of XXXX was made on XX/XX/2022 before XXXX pm central. Also, reporting my account balance increased XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account was said to be close in 60 days since XX/XX/XXXX. Till now they didn't close my amount and my money is stuck because the account is blocked. I call citibank on several occasions they always said their expert will work it, My savings is in that account almost 3 months behind my rent because citibank refused to send my check, I wrote them letter, went to branch so many times, all prove abortive, on XX/XX/XXXX they sent me another letter that my account will close in 60 days, I don't know what's going on, I just want my money.. see attachment documents below thank you

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 2022-04-16 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: LA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXTransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/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 2022-04-16 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: NC

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has fraudulent accounts that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: CA

Complaint narrative:
On XX/XX/XXXX, I bought two computers from XXXX. On XX/XX/XXXX, the computer arrived. However, one of them is different from what I ordered. 

Then I returned the one to XXXX. To my surprise, XXXX deducted a restock fee of {$230.00}. I contacted XXXX, who refused to refund the restock fee despite acknowledging that they sent me a different product vs what I ordered. 

On XX/XX/XXXX, I called Capital One to inform them of starting a " claims and defenses '' dispute with the XXXX charge with {$230.00} as the dispute amount. 

On XX/XX/XXXX, I noticed that Capital One provided me a credit of {$2500.00} ( which is the full purchase amount ). I called Capital One to let them know of the issue and they fixed it by charging me {$2500.00} and giving a credit of {$230.00}. 

On XX/XX/XXXX, Capital One gave me a notice that they are siding with XXXX because XXXX return policy states that restock fee applies unless the return is due to defective product or other HP.com errors. Capital One then proceeded to charge me {$2500.00}, credit me {$2500.00}, charge me {$230.00} and charge me {$250.00}. 

On XX/XX/XXXX, I give my response to the case saying that it is XXXX 's error that they sent me the wrong product, and this kind of deceptive practices are against the law. 

On XX/XX/XXXX, Capital One sent me notice that they can't help me and the case is closed. I called XXXX three times to correct the overbilling of {$250.00} they did in the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
there are several accounts on my consumer report that are fraudulent ive sent the credit reporting agencies ftc reports identity theft affidavts and police reports and the fraudulent accounts are still being reported from XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX these accounts are fraudulent and in violation of the fcra and fdcpa and i will take legal action this seres as a notice that if theses accounts are not removed within 15 days legal action will be taken for contractual law universal law and statutory violations violations of 15 usc section 1681, 1681b, 1681 c2e,1681he and fcra section 609 and fdcpa 804b

Company response to consumer: Closed with explanation