vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One and Kohls unilaterally sent me an unsolicited kohls XXXX card, with a new account number and a new card, mailed to me in early XXXX. I did not ask Kohls or Capital One for a separate XXXX card. In fact, because of this unwanted change, without any contact with me whatsoever until after the fact, i closed my original kohls account on XX/XX/year>. I still received this new kohls visa card around XX/XX/year>, despite my XXXX phone conversations with both capital one and kohls telling them i dont want it. Now tthat i have this new card and new account number, they both say they still can not cancel this unwanted account. To be clear : I do not want this egregiously high interest credit card that I DID NOT APPLY FOR AND DID NOT ASK FOR AND ACTUALLY TRIED TO STOP IT FROM BEING ISSUED ; I want this account cancelled, not closed, because i never requested or opened it ; and i want to avoid any negative impact on my credit reports and scores. Also, i need a written assurance from the guilty parties, kohls and capital one, that there was no reporting of any open/closed account notices or any other negative reports will be sent to any credit reporting agency regarding this bait and switch tactic that seems like a really unsavory business practice. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid my entire balance on my Capital One XXXX ( {$3500.00} ) on XX/XX/year> ( 10 days prior to the due date ). I had one purchase during the next billing cycle of {$29.00} ( final charge on cancelled XXXX XXXX XXXX with XXXX ). I was surprised to find an interest charge of {$25.00} on the purchase. The attached statement shows " Interest Charged on Purchases. '' That's almost 100 % interest!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting 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:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These late payments do not reflect my typical payment history

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 2024-09-05 00:00:00
Product: Credit reporting 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:
After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 


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 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If these accounts are not removed I will be reporting you to the BBB, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC
State: MI

Complaint narrative:
global lenders accused me of having three late pays. when in all actuality i've alway paid on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are the alleged dates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX inaccurately reported that my accounts were '90 days ' late, in XX/XX/year>. My attempt to work out this issue with XXXX has not been successful, at all.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX inaccurately reported that my accounts were '90 days ' late, in XX/XX/year>. My attempt to work out this issue with XXXX has not been successful, at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX inaccurately reported that my accounts were '90 days ' late, in XX/XX/year>. My attempt to work out this issue with XXXX has not been successful, at all.

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 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I have a charge card from AMERICAN EXPRESS with a sanctioned limit of XXXX USD. With only XXXX limit used, AMERICAN EXPRESS suddenly stopped my service by suspending my card. Despite repeated appeals and regular payments of monthly instalments, they have not resumed the service but keep applying more interest and penalties. The limits are given to be used and consumed. And it is not a card where the outstanding charges have to be completed per month because they charge interest on the same. Hence this is a pure case of violation of fair practices and despite highlighting to the local and higher management, there is no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am not associated with the creditors mentioned, and I did not authorize these inquiries.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On XX/XX/year>2024 I saw that my credit score had decreased by XXXX  points on my credit report it did not give an example on my online banking as to why and I tried to many times get to the company responsible so that I could find my credit report instead I was locked out and I was given poor customer service by the people at transunion and it made me frustrated and upset I said some things but I didn't mean them but either way I did not get my credit report and I was begrudgingly forced to seek council legally just to get an idea of why they may have dropped my score when I was at a XXXX  and now it's XXXX  this is upsetting as I need this credit score to be high enough and have paid my bills on time always paid my debt 's and done everything I can to make sure it's has a good score I hope you can tell them that I am very upset with them and will be calling as many credit agencies as I can thank you! I also was not able to get anything out of XXXX XXXX XXXX bank as to why but it was not their fault I believe but the issuing credit agencies and their TransUnion credit I am sorry to slander such a company like this and do not mean anything by it I'm sure others have had better experiences I would not recommend using this service but these are my own opinions and they are too relatively put the concerns of bad service and not respectively slander the company in such a way that it would do bad business but that it would be enlightened to allow it to change practices to serve all of their wonderful customers

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 2024-09-05 00:00:00
Product: Credit reporting 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:
per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. XXXX XXXX account # XXXX with a balance of {$XXXX}, XXXX XXXX  account # XXXX with a balance of {$XXXX}, XXXX  account # XXXX with a balance of {$XXXX}, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>

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 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( F DCPA ), I request the following information. 
1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

s. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting 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: MS

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 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 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.

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 non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NC

Complaint narrative:
EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX This letter serves as a formal demand that you immediately cease and desist all your unauthorized collection efforts. Pursuant to NMLS Indicates you are not permitted to conduct business in the state or territory of North Carolina, as are not licensed to do so. 

- Please provide your license number that permits you to collect in North Carolina. 

- Provide a Debt Validation Claim 15 USC 1692 G - Send me a full payment history on this account. 

- Provide my signature that I agreed to on the contract for this creditor. 

- Has there been any insurance found on this debt. 

I want to see the chain of title that you have to collect on the debt. I have received no such notification. 

This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX - XXXX SERVICE XXXX, XXXX XXXXBANK XXXX, BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX CRED XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX and XXXX XXXX BANK 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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 2024-09-05 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XX/XX/XXXX Balance. {$830.00} XXXXXXXX XXXX XXXX  - XX/XX/XXXX Balance. {$1500.00} XXXX XXXX XX/XX/XXXX XXXX. {$700.00} XXXX XXXX XXXX- XX/XX/XXXX Balance. {$2000.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX Balance. {$950.00} << XXXX XXXX- XX/XX/XXXX Balance. {$300.00}

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