vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
in my credit report shows an address in TN that is not mine ( I never live at that address ) and also a collection that i have no idea who it belongs to. I disputed but the credit agencies won't remove it from my account. I never live at the address it shows in a state that i never lived in. they are charging me {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: TX

Complaint narrative:
I have given notice to EXPERIAN on XX/XX/2022 that identity theft has occurred and inaccurate reporting has resulted from the identity theft. 

included below is a list of inaccuracies being reported. 

XXXX XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. EXPERIAN XXXX XXXX  XXXX XXXX. EXPERIAN XXXX XXXX  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 2022-09-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a response from Equifax reporting agency stating that unverified information is accurate and will continue to report information after it was updated. According to the FAIR CREDIT REPORTING ACT 15 USC 1681-1681 which is a federal law, all unverified information must be deleted. All third party debt collectors has to show proof that the debt was actually agreed upon, basically having to show an legal agreement and not a copy of an agreement that was with the actual creditor. If unverified information remains on my report without legal proof of agreement from the third party can result to legal action against Equifax for reporting illegal information on my report under federal law. This demand also goes for XXXX and XXXX as well. 
I demand a reinvestigation of unverified accounts under federal law. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: AL

Complaint narrative:
I have bought a nutritional supplement called XXXX from XXXX company on XX/XX/2022 with my capital one credit card for XXXX dollars. Case number XXXX and when I took the supplement it made me very sick that I had to go and see my doctor and I was told by him to stop taking this supplement immediately and return it back to the company because it is NOT FDA approved. So I contacted XXXX company requesting a prepaid return label to return the supplement to them and get a full refund of my money but they refused to send me the refund or the return label. And they refused to resolve the issue and stopped responding to my emails. I disputed the charge with my credit card company capital one Visa card but capital one was unhelpful at all and they are not responding to my dispute and asking for all kinds of documents and second opinions .its like they want to make it impossible for me to get my money back and for them to have an excuse to deny my dispute claim. Capital one credit card has the worst customer service quality and they have a very poor business practice. This is a simple dispute claim. I bought a supplement and it made me very sick and the seller has a 100 % satisfaction guarantee or my money back so I am NOT satisfied with the product and it made me sick and I want my money back and capital one should refund me my money permanently. A permanent credit to my card. Capital one credit card case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: TX

Complaint narrative:
Experian see attachment you have 5 business days to respond not 30 days or show 15U.S.C.6802 obligation to disclosure of personal information a release

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 2022-09-12 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CA

Complaint narrative:
I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX, where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

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 2022-09-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and i am submitting this complaint without any influence from any 3rd party or agency. I am a consumer and reporting ID theft. The inquiries were NEVER authorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-12 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: NY

Complaint narrative:
XXXX XXXX XXXX I sent dispute letters to Experian regarding 2 accounts that are charge off and they fail to comply with a complete investigation, They have not sent me proper validation, I have not received proof of contract with my signature with neither company, furthermore IRS states a charge off is INCOME AND INCOME should not be reported with Credit Reporting companies.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I was told that I had great approval odds and that I should apply for a loan to consolidate my credit card debt. It gave me an APR on my loan for 18.49 % but when I applied for a loan and got approved my APR was 26 %. Credit Karma deceived me and thinking that I had great approval odds for a low interest rate loan and that was false. The loan company is called XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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:
I sent off a certified letter to Investigate my account on XX/XX/XXXX & they have not responded back via a proper letter. Neither was proper investigation done. They instead allowed the collector to send me a collection notice. Here is my tracking # XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
About a year ago I obtained a capital one XXXX and used it to start building my credit. Over the period of having this card I experienced, on multiple occasions. My payment being declined, despite having more than enough money to cover the payment, the payment wouldn't go through, or some other erroneous reason would be given on why the payment wasn't processed. However once having customer service on the phone, the payment went through fine ( using the exact same bank account. ) Despite this. My credit score was on the rise. Even going over 600 and encroaching XXXX. The last incident of no payment resulted in the company canceling my card. They stated that the reason was due to issues making payments. The same week they canceled my card, they also sent me a congratulatory email, praising my own time payment history. This felt criminal what this company was doing, and borderline harassment. Since the issue of the last payment not going through and my plan being canceled. My credit score dropped almost XXXX points. I want an official complaint made and if this doesn't work, I will seek private representation. I worked very hard to build my credit... I have struggled in life and finally gotten on the right path but what this company has single handedly done to negatively effect my credit and subsequently, my life, is extremely demoralizing. I really hope some one sees this and takes this seriously. They were in the wrong, I called them out for it. And they retaliated in what feels like a direct attempt to ruin my credit... I have proof..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, AZ XXXX XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX XXXX INT Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 11. The following personal information is incorrect Employer XXXX - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
in my credit report shows an address in TN that is not mine ( I never live at that address ) and also a collection that i have no idea who it belongs to. I disputed but the credit agencies won't remove it from my account. I never live at the address it shows in a state that i never lived in. they are charging me {$2900.00}

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
Consumer complaint received 2022-09-12 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/2022, I sent Ally Financial a notice of unauthorized inquiry that has caused damage to my credit file. By law Ally Financial had 10 days to respond to my notice showing proof they were given written consent by me to access my credit file which they have not. They are now in default and are continuing to violate my right to privacy as well as my federally protected rights as a consumer. I do not give Ally Financial any consent to access my credit for any reason. I have also filed an identity theft report for their unlawful behavior.

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 2022-09-13 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: MD

Complaint narrative:
The Inquiries List Below XXXX XXXX XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX  XXXX XXXX XXXX ) XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ) XXXX XXXX ( Finance )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suburban Credit Corporation
State: GA

Complaint narrative:
I received an alert today ( XX/XX/22 ) from my credit monitoring service that Suburban Credit Corp placed an illegal entry on my credit reported without notifying me. According to the The Fair Debt Collection Practices Act, The law : Within five days of initially contacting you, the collector must send written notice of the debt and include : 1.The amount of the debt 2.The name of the original creditor to whom the debt is owed 3. A statement describing your right to dispute the debt I do not owe them any money. I have never spoken with anyone from this company nor have I received any type of documentation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I, XXXX XXXX, natural person and consumer am submitting this complaint against Capital One on my own. I have not received any assistance from a third party. I am aware that Capital One has violated my right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6802 ( b ) of the Gramm-Leach Bliley Act. I am aware that not excluding transactions between, I, the consumer, and the person making the report is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Capital One is a covered person as defined under 12 U.S. Code 5481. According to 12 U.S. Code 5536, it is a prohibited act ( A ) to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or ( B ) to engage in any unfair, deceptive, or abusive act or practice ; I am demanding Capital One provided the required notice of disclosure or block and remove the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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:
In accordance with the fair credit reporting act the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX ( Original Creditor : XXXX AT T ) Acct # XXXX XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX  LLC DBA ) Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MS

Complaint narrative:
PROCOLLECT, INCXXXX has refused to accept any payment arrangements in verbal or written form and has been unreasonable for the past seven years in resolving debt issues.

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 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Original application for credit card denied by an automatic system based on 7 years old bankruptcy on the record. Requested review of original application, denied on the same bases. Spoke to multiple customer service reps on XX/XX/XXXX, including low level manager who said I will be contacted by higher level manager within 24 hours, who is not available on weekends. No call back received. Called back on XX/XX/XXXX, put on hold for 40 minutes just to be informed by account XXXX that their " systems are down '' and I have call back the next day. Just for reference, applying for Chase Flex with Credit score of XXXX and income of {$110000.00} with not a single payment missed in 7 years.Total round around.

Company response to consumer: Closed with explanation