vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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: GA

Complaint narrative:
ON XXXX XXXX,2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion 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 was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 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.

According to 15 U.S.C 1681s2 ( 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 accurate.

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 2022-06-25 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: CA

Complaint narrative:
According to the supreme court case, Bowen v. Needles national bank XXXX you need to remove all indebtedness from my credit reports

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 2022-06-25 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: CA

Complaint narrative:
According to the supreme court case, Bowen v. Needles national bank XXXX you need to remove all indebtedness from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a charge on my Capital One Credit Card of {$200.00} from XXXX XXXX on the account on XX/XX/2021 which I disputed due to the airline not honoring their policies. Capital One spoke to XXXX XXXX and XXXX XXXX gave me a shopping credit for their airline, and Capital One reinstated the charge on my account. However, once I tried to use the credit with XXXX XXXX it was no longer valid even though it was within the time frame I was given because XXXX XXXX stated Capital One removed the funds. I spoke to Capital One once more to give me back my money since they withdrew the money from XXXX XXXX and Capital One said the case was closed. I still have not received my money back. I have evidence of the credit/voucher I was given by XXXX XXXX  with the expiration date valid that unfortunately was canceled due to Capital One withdrawing the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
My data was breached in the CapitalOne XXXX attack. 

However, upon visiting the CapitalOne class action settlement website, I was unable to file a claim, because Capital None did not send me a unique ID and PIN, which they require to submit a claim. 

The website at https : //www.capitalonesettlement.com/en is completely useless. I tried emailing the XXXX and all I got was an autoresponder email message with the exact same stuff on the FAQ and then linking back to the website! 

I then tried calling the number XXXX and all I got was a robo message asking me if I want to listen to the website read out to me. 

I even emailed XXXX Nobody is responding to my emails or picking up when I call. I am stuck. I want to file a claim. The deadline is approaching in XXXX. I can not afford to wait. 

I am at my wits end! CapitalOne has made it impossible for me or anyone else to file a claim. They have perfected the art of being slothful. How can they continue to be licensed as a bank? 

I need someone from CFPB to help. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I owed a debt with XXXX XXXX. After nonpayment XXXX XXXX hired another company to collect the debt. On XX/XX/2022 ICSystems was recalled from the process. I since paid the bill. I called XXXX and they verified that on XX/XX/2022 the account was paid. I have called ICSystems numerous times and disputed my credit report. They refuse to delete the collection from 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 explanation
Consumer complaint received 2022-06-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681i section 602 A states any information disputed by a consumer, an item of the information is found to be inaccurate the consumer reporting agency shall ( i ) promptly delete that item. 

Equifax has XXXX XXXX  as the 'Original Creditor '. The original creditor is XXXX. See attached proof from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IL

Complaint narrative:
There was no accurate button to press. I paid off this debt collection from XXXX, original creditor- Debt collector Enhanced Recovery Collections. I was advised when I paid in full that it would be removed entirely from my credit report once they received the check. It has not since been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I received a notice of change for my student loan service provider from XXXX to Aidvantage now this happens to come right before XXXX lost the lawsuit against them. I have contacted Aidvantage to receive my account number as well as any other documents needed to see if I qualify for student loan cancelations and that information was never given or sent to me I am still currently waiting. When I attended school in XXXX of XXXX XXXX was still named XXXX XXXX not University as it is now. I was coerced into agreeing with whatever terms were stated at that time due to my age at that time XXXX and not knowing what I was getting myself into. Now fast forward to XXXX  and understanding all that is happening makes me believe I was deceived by my school and student loan lender. Now Aidvantage is simply wanting me to resume my payments but the information I have kept requesting about my account and summary is being denied or ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. We purchased a TV from Best Buy in XXXX. Citi bank was the lender. The bill was paid off in XX/XX/XXXX. 
XXXX we were charged {$90.00}. We had not purchased anything. in XXXX I received a bill with penality attached and I contacted Citi and told them there must have been a mistake because we haven't purchased any products or service from Best Buy for over a yearr and our statement should be XXXX and was XXXX starting XX/XX/XXXX. They said they would fix the problem because it was a computer error. The next month I received another bill plus penaltys. Once again I called and I was told they would fix it but they could only take part of the paymenty off. It is XXXX XXXX and I received a threatning letter. I called once again and was transfered XXXX  times to XXXX diffgerent people over an hour and fifteen minutes.. It was difficult to communicate because their connectiuon wasn't good going into their call center and most of the people weren't fluid in English and given instructions not to settle. That was from XXXX call..Please help and clear my account and I don't wish to do business with this FRAUDULANT COMPANY any more.

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 monetary relief
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
By the fair credit reporting act : XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX, acc # XXXX, XXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
By the fair credit reporting act : XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX, acc # XXXX, XXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.

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 2022-06-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX : amount of {$4400.00} XXXX. XXXX XXXX XXXX {$160.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXXXXXX XXXX {$370.00} XXXX. XXXX XXXX XXXX {$110.00} 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 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Payment due date of XX/XX/XXXX -- I log in on XX/XX/XXXX to pay, but bank says it is past XXXX and my payment will be recorded the next day XX/XX/XXXX and in the process assessed me a late fee of XXXX dollars. 
-- I called the bank to verify that this is allowed, that a payment made on my due date can be late even though I paid on my due date, the agent says yes, and there is nothing that can be done about it. 
-- I want to verify from the CFPB, is this true, can I really be charged a late fee even though I paid before XXXXXXXX XXXX in my time zone on the payment due date? 
-- This has never been an issue with any of my other credit cards. I thought it was a due date, not due time. 
-- If this is allowed, I have already paid what I owe and will close all accounts with this company, but if this is not allowed, then the practice should be made to stop and my XXXX dollar fee refunded. 
-- Please see the time stamp on the screen shot I took after my payment on XX/XX/2022 -- Thank you -- late fee on due date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX & Account # 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 : 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 2022-06-25 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2022, XXXX fraudulent charges were made on my credit card adding up to {$1400.00}. I was immediately notified by Bank of America who asked me to confirm the charges were fraudulent and then credited my account with amount that was fraudulent. They correctly identified the charges and said they would open an investigation on the charges. On XX/XX/2022, I received a letter stating that the result of the investigation concluded that XXXX of the XXXX charges ( adding up to {$700.00} ) were not fraudulent because the merchant confirmed that merchandise was shipped to an address listed on my account. This is absolutely not true as we never ordered or received goods from this merchant. Bank of America could not tell me what address the merchandise was shipped to. The only information I can find on the merchant is what is listed on my credit card statement as " XXXX XXXX XXXX XXXX ''. I can find no information of this merchant online and have no way to contact them. I have no idea how Bank of America contacted this merchant or what evidence they have that merchandise was shipped to a specific address. After many phone calls and being placed on hold indefinitely, I finally got through to Bank of America. I stated my case that it was simply not true that I ordered or received any merchandise from this merchant ( that seemingly did not exist ) and they said they would reopen the investigation. It should have been obvious to them based on my account history and the timing coinciding with the other fraudulent charges that these charges were fraudulent. On XX/XX/2022, I received another letter from Bank of America saying that their decision hadn't changed and that the merchant provided documentation confirming I received merchandise. Again, this is simply not true. I have never been able to see any of this documentation from the merchant or Bank of America so it must either not exist or be fraudulent. At this point, I've had to pay the {$700.00} out of pocket to not risk my credit score and interest charges. I've never had any issues with Bank of America in the past, however at this point, I seriously question the integrity and competence of their fraud department. I have not used this card since because I don't trust that they have any useful fraud protection.

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 monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
Previous landlord apparently sent a false debt to a dent collector. I sent the document from court showing correct amount but the dent collector is still attacking my credit report with false information. I didn't break the lease the owner XXXXXXXX XXXX gave us a letter telling us the lease is being terminated and to move out so we did. We had paid rent which I showed them on my bank statement but they still evicted us. Even showed their lawyer at the court date and she still pursued with eviction. XXXX a shady bunch of thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, and XXXX XXXX account XXXX : XXXX have 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 2022-06-25 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: FL

Complaint narrative:
On XX/XX/2022 I contacted Discover Credit Card to inquire about the status of my disputed transaction. I had informed Discover Credit Card that I had returned a defective item to the merchant and the merchant was not providing me with a refund. 

Discover Card supervisor XXXX stated that Discover declined my dispute and could not help me any further because the merchant never acknowledged I returned the defective item. I informed supervisor XXXX that the item was returned, and the tracking number was provided in the dispute documentation I had previously submitted. Supervisor XXXX stated that Discover could no longer contact the merchant to confirm if the merchant agreed that I returned the item. Supervisor XXXX stated that I needed to contact the merchant and obtain a letter or document showing that the merchant acknowledged that I returned the merchandise. I informed supervisor XXXX that the merchant was not communicating with me because i disputed the transaction and the merchant closed my account. I asked supervisor XXXX if the case could be re-opened so Discover could reach out to the merchant and ask for the required information needed to resolve the dispute. Supervisor XXXX said the case could not be re-opened and that Discover could no longer assist me. 

I also informed supervisor XXXX that I was being scammed by the merchant because the merchant was claiming I damaged the item and was attempting to get a refund on an item I damaged. Supervisor XXXX XXXX stated that Discover could not assist me and that I should seek outside assistance. 

Supervisor XXXX continued to state that Discover could no longer continue with the dispute and that I needed to seek help outside of Discover. For over an hour supervisor XXXX insisted that nothing further could be done by Discover to assist me. I asked multiple time to be helped by a higher level supervisor or someone who could further assist, but supervisor XXXX refused to complete my request. Supervisor XXXX intentionally ended the phone call while I was still trying to speak to him. 

I contacted Discover to inform them of my issues with supervisor XXXX and the intentional termination of the phone call while I was still speaking to him. Discover representative XXXX stated all the calls are recorded but she could not provide me with a call identification number. Discover representative XXXX stated that all complains are handled internally and there was nothing else she could assist me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, Account XXXX XXXX # XXXX, Account XXXXXXXX XXXX XXXXXXXX # XXXX Account US DEPT OF EDUCATION # 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

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