vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Control, Inc.
State: WI

Complaint narrative:
I recieved notifications stating I owed on some past due medical bills from Credit Management Control , Inc on XX/XX/22. From information I gathered I believe they are breaking the law by trying to charge me interest on these past due medical bills in which they are not the original debtor? For example one bill is {$870.00}, and they added " unposted interest " in the amount of {$110.00}, and claims I now owe them {$990.00}. They are charging interest on four separate bills totaling {$330.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: FL

Complaint narrative:
In accordance with the fair credit reporting XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 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:
In accordance with the fair credit reporting XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation
State: SC

Complaint narrative:
On XXXX XXXX I got a copy of my credit report and noticed over XXXX collection accounts that I had no knowledge of. I reached out to the credit bureaus to help me investigate these items. I have gotten no response from neither the credit bureaus or the original creditors. Most of these items are duplicates and have not been verified by anybody. The amount of damage this is causing me is tremendous and I will be reaching out to the states attorney to help me as well with this on going investigation because These items should not be on my credit report. XXXXXXXX XXXX XXXX and XXXX XXXX XXXX collections

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was approved for a credit card with Capital One for {$500.00}. They mailed me the card but then blocked it before arrival and called me stating they needed to verify my identity. I received a call from a gentleman name XXXX who referenced a Fraud investigation reference number of XXXX. I called back and was advised that they needed me to email my photo identification and social security card to an unsecured email address. Not even uploading it in the account portal. 

I advised that I would not send this information to an unsecured email address but would happily go to the local Capital One location near me and present the information. So, I did. I went to the Capital One Branch location at XXXX XXXXXXXX XXXX, XXXX, TX XXXX and spoke with the branch manager who took a copy of my Tx Driver 's License and my Social Security Card and scanned it over to the Fraud team with the reference number provided by the Fraud Department. I was advised that I would hear from them in XXXX Business Days. That was XX/XX/XXXX. I had received the card a week or so before that. 

After not hearing back from Capital One by XX/XX/XXXX, I called them back and they stated they still had not received my information. However, today I received notification that Capital One has reported to all three credit bureaus that I have an open account with them. Why would you report that I have an open account with you, when I have an account that can't be used because you claim you don't have the information you need to prove I am who I am. You mailed the card to the same address on my Driver 's License, I physically walked into the closest branch to my home and presented the information you requested and I still can not utilize the credit that was approved. I have a card that is not valid but you are reporting to the credit bureau something different. THIS IS FRAUD on Capital One 's account. And I want it cleared up immediately. 

All I get from the Capital One representatives is they are waiting for the information that has already been provided. I ask to speak to a supervisor and they tell me the department that is handling the issue doesn't take calls and I can't speak with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in accordance with fair credit reporting Act Experian, XXXX, XXXX has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 According to 15U.S.C 1681 section 602 A States I have the right to privacy. these address and phone do not belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX and phone number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union deposited funds into my account between XX/XX/XXXX- XX/XX/XXXX without my written or verbal consent. Then XX/XX/XXXX they took the funds they deposited out of my account. I contacted the on XX/XX/XXXX and was advised that I couldn't set up a payment arrangement. The withdrawal brought my balance to XXXX. I earn {$1700.00} every two weeks. This will cause my family hardship. I have autopayment that come out of my account. Returned payments receive a {$29.00} return fee. 

Navy Federal Credit Union credited the funds into my account to bring my account balance to {$0.00} when I received the Child Income Tax Credit payments from XXXX to XXXX of XXXX. I did not sign up for this program. 

XX/XX/XXXX : XXXX XXXX : XXXX XX/XX/XXXX : XXXX ( even though my balance was XXXX ) XX/XX/XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX : XXXX ( Withdrawal )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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:
In accordance with the Fair Credit Reporting act 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 2022-04-23 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: EQUIFAX, INC.
State: NV

Complaint narrative:
The following account XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) ( Account Type : Security Credit Card ) is being reported as late as of XX/XX/XXXX. I have never been late on this account and have had this account since XX/XX/XXXX. Update this account to current Never late as paid on time. 15 U.S. Code 1666b ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have three fraudulent accounts on my XXXX credit report. 1 ) The first one is XXXX XXXX for XXXX XXXXXXXX XXXX account XXXX the collection says paid in full but however its not mine I want it removed 2 ) the second one is XXXX XXXX  account number is XXXX for {$600.00} I never attended this school. FDCA gives to challenge fraudulent information I would like this removed from my XXXX credit report 3 ) the third on my XXXX report was XXXX XXXX XXXX account # XXXX for late payments I never finance through them. My car is through XXXX XXXX XXXX XXXX. 
4 ) XXXX XXXX XXXX account number XXXX closed account on my XXXX report this a fraudulent account I would like removed off my account. 
5 ) Capital one closed account that I never had is s fraudulent account. Account number XXXX I have late payments but this was never my credit card. I need late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, J.P. Morgan Chase Bank, and XXXX XXXX XXXX. I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. 

The dates and totals of the identity theft are as follows : XXXX XXXX XXXX Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. 

XXXX XXXX XXXXXXXX : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. 

J.P Morgan Chase Bank : Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. 

XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. 

As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : XXXXXXXX XXXX Bank of America, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. 

The dates and totals of the identity theft are as follows : XXXX XXXX : Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. 

Bank of America : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. 

XXXX XXXX XXXXXXXX XXXX : Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. 

XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. 

As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
i was told my acccount was restricted and i couldnt use my debit card in a year please help this is a mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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 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
Consumer complaint received 2022-04-23 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, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I applied for an Aspire credit card 2-3 months ago, was immediately told it was approved. Almost a month goes by and never received in mail, called company and they said they would mail a 2nd time. 
Still never received in mail. 

I told them i thought this might be a scam as their recording states to activate card as soon as you call, and i keep getting texts or emails to activate card which i never received. 

I called and gave them a new address to send card to, called back and was told to wait until XX/XX/XXXX, which was still another month. At this point I do not want their card as i found out it is for people with bad credit and has a monthly fee. 

I am going to call company now to tell them to cancel my account. Please make sure they have cancelled my request. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Auto ) XXXX XXXX XXXX ( Auto XXXX XXXX XXXX  ( Auto ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NY

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 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 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
Consumer complaint received 2022-04-23 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:
In accordance with the Fair Credit Reporting Act 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 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:
In accordance with the Fair Credit Reporting Act 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Yes i'm getting a fee on my american express card and i don't know why you guys are denying me since that i'm in the XXXX XXXX XXXX and the reason why i signed up for the american express platium card because my military member who is also working with me told me that i should sign up and that they you guys would waive off the fee. but i'm still am being stuck with the fee what the deal!

Company response to consumer: Closed with monetary relief