vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: AZ

Complaint narrative:
My daughter and I traveled by train ( XXXX ) on XX/XX/XXXX from XXXX to XXXX. We were waiting in a very long taxi line to taxi to our hotel ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ) which was approximately 18 miles away. We were approached by two young men who said they would give us a ride for {$22.00} if we paid by credit card. We agreed and took the ride. We arrived at the hotel and the taxi driver did not offer a receipt. I did not sign a receipt. This didn't seem so unusual to me since the charge was a minimal amount. It was late and we were anxious to get inside our hotel room. 

When I returned from my vacation to XXXX, I looked at my bank statement and saw that the taxi driver had charged my Capital One credit card for {$2200.00}!! Outrageous -- over 100 times the amount a taxi ride cost or should cost from the XXXX train station to our hotel. I was sure that Capital One would recognize it as a fraudulent charge. I called Capital One that day and the customer service woman told me that Capital One would take care of it and they credited my account {$2100.00} ( the amount the taxi charged {$2200.00} minus the {$22.00} taxi ride ). The charge was later added back to my account so I called Capital One again. They said that I had not provided the necessary documentation so I wrote them a letter on XX/XX/XXXX disputing the charge ( and included the receipt that I had tracked down through XXXX ). I have called at least 7 times ( all were recorded ) and Capital One will not reverse the charge. I have tried to contact the taxi company but have not been able to reach them. To my knowledge Capital One has done nothing to determine if their vendor charged me a fraudulent charge. They said that I need to " prove '' that the charge is not accurate -- yet they did not offer solutions for this problem. 

Attached to this complaint is 1 ) the dispute letter I wrote to Capital One on XX/XX/XXXX, 2 ) a receipt for the taxi ride that I tracked down through XXXX that also shows what time we arrived to the hotel ( making it impossible to take a LONG taxi ride worth $ XXXX, 3 ) a receipt for my train ride into XXXX and time of arrival, 4 ) a hotel bill showing that we arrived to the hotel on XX/XX/XXXX. Capital One told me that these documents do not prove that I didn't agree to the charge. 

It is nonsensical that anyone would take a taxi ride that would cost {$2200.00} but Capital One argues that because they used the chip in my card, it is a valid charge. The signature on the receipt is not my signature. 

Please see my documents and help me? Capital One should protect their customers! I will never do business with Capital One again. This has been a terrible experience. I have since closed my Capital One card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
all 3 credit bureaus are reporting a medical debt that has been resolved from XXXX in the amount oof XXXX $ the debt has been paid and collection agency promised to remove

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
all 3 credit bureaus are reporting a medical debt that has been resolved from XXXX in the amount oof XXXX $ the debt has been paid and collection agency promised to remove

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 2022-10-04 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

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 2022-10-04 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 — Problem with personal statement of dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
CREDIT CONTROL CORPORATION XX/XX/2022 I have disputed this accounts as they are collection agency collecting on a debt and I do not owe the debt to them as there are no contracts or agreements stating such. I have requested chains of ownership and have yet to be furnished with sufficient documentation. Please remove from my credit file immediately as this is affecting my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to Equifax disputing negative inaccurate information on my credit report. Unfortunately these credit companies aren't complying with their own policies within a timely manner. I am hereby requesting that the items disputed be removed IMMEDIATLEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Sunset Management, Inc
State: GA

Complaint narrative:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

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 2022-10-04 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: Credit Karma, LLC
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX I got an email from XXXX saying I was denied based on my application via credit karma. I never applied for credit with XXXX, the application was submitted by credit karma without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I opened a new CD account no. XXXX. The account opening page asked if I wanted to fund the new CD through existing external account or add a new one. I chose to add a new XXXXXXXX XXXX account and completed the CD opening and funding process. A few days later I received notification that the transfer failed. I logged into Synchrony and again initiated a funding through the XXXX XXXX  account. As of today, Synchrony is showing the following : XX/XX/2022 Pending Transfer from XXXX XXXX XXXXXXXX XXXX {$500000.00} ( Expected ) Today, I also received a note that my XXXXXXXX XXXX account ending in XXXX is overdrawn. This account is among the accounts that is linked to my other Synchrony CDs. I also received notification from Synchrony that funding from my account ending in XXXX was rejected. My XXXX  account is showing 2 attempts by Synchrony to draw from it and 2 insufficient charge fees ( each {$36.00} ) because the XXXX XXXX account is unfunded. I attempted to speak with a Synchrony call center representative about this but her response was that since I opened a CD on line, she can't see why Synchrony would be trying to draw from the XXXX XXXXXXXX account and she can't help me. I attempted to impress upon her that this has to be some sort of an algorithm glitch but she wasn't absorbing the information. I disconnected the conversation because clearly, she wasn't understanding that Synchrony 's attempt to draw from the wrong account is causing me damages in the form of insufficient charges from XXXXXXXX XXXX 

I ask that Synchrony seize attempting to draw any funds from the XXXX XXXX account and refund me {$72.00} of NSF fees.

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 2022-10-04 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently reviewed my credit report and I found several hard inquiries on my credit report that i do not recognize, without my knowledge, without my consent, and that I did not authorize. I would like for these hard inquiries to be removed and deleted immediately from my credit report thank you. These inquiries that I did not authorize are hurting my credit terribly. 

XX/XX/2022 XXXX XXXXXXXX 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 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 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 or information Any other adverse item Or Information, Other than records Or convictions Or Crimes which antedates the report by more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not tarnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: GA

Complaint narrative:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

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 2022-10-04 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: GA

Complaint narrative:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: GA

Complaint narrative:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REGARDING : XXXXXXXX XXXX for an alleged balance of XXXX ( or approximately ) This merchant has promised to investigate and correct this incorrect reporting. 

I provided my account information details along with the {$0.00} balance as well as having made a phone call and speaking to representatives by phone and then providing this information to Experian Credit services as well as XXXX and XXXX. Experian sent me a generic response and ignored the information I provided to show that a late/Delinquent amount of {$28.00} was being reported increasingly late with each passing month. Experian disregarded the information I provided in favor of this merchant despite having been provided actual documents contradicting the incorrect reporting. No such investigation was performed where someone actually took the time to look at the ancillary information in order to perform an actual investigation as promised and as promised by law. Simply, a effortless response was generated by someone who didn't care and only cared about making their job as easy and painless as possible while I was deprived of my rights under this instance. Consequently, my credit score has been impacted after a long time showing and reflecting a good responsible payment history. At minimum, the benefit of the doubt where provided should have been in my favor but yet was given to a corporation which suffers no loss in this case and is entirely unaffected. Over the past few years, these Credit Reporting Bureaus have lost credibility due to this very behavior and have promised publicly to improve but as observed here- makes no effort whatsoever. I am requesting action against this credit bureau and respectfully requesting compensation for this negligence. I am also considering legal action apart from this complaint. Thank you in advance.

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 2022-10-04 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: Informative Research
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Birchwood Credit Services, Inc.
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
There is an unauthorized hard pull credit inquiry that I didnt recognize on my Transunion credit report on XX/XX/2022. I call the phone number provided and it happens to be that of Transunion but Transunion customer service said the hard pull is not from them and the company address is not Transunion address. 
Ive ordered a freeze on my credit file on all three credit reporting bureau XXXX, XXXX and Transunion. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA 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 2022-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I went into Kohl 's store to make a credit card payment. Kohls is saying I never made the payment. I have disputed the the charge ( after the payment ) 2 time. Kohls says there is no payment matching the charge I am disputing. I have a receipt of the payment and I have a receipt of a voided after original transaction for the amount, but the guy that took my payment never gave me the money back. Kohls should have {$100.00} floating around as extra cash, or the guy took the money. Should be able to look on video footage and see what happened. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
Someone purchased a vehicle in my name and got over {$3000.00} worth of tickets and I have no idea how when I don't have a license and my id is expired since 2020, and I lost it 6 months ago

Company response to consumer: Closed with explanation