vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Primus Law PC
State: UT

Complaint narrative:
On XXXX I called to find out more information on my account. While I was on the phone I was talked down to by the representative. I asked her to please work with me to help me understand what is going on and she kept interupting me, telling me I did not take care of the outstanding bill and spoke in a belittleing manner. I repeatedly asked her to please understand that I have some mental health concerns that prevent me from understanding things so if she could please help me. She continued to be very rude and I asked to speak to someone else and she was short, rude and put me on hold. I was able to talk to someone else and he was very helpful and provided me the information I needed to get this resolved. 
I would like to file a complaint about the company 's representative. Her name is XXXX XXXX and she works with Primus Law. 
XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) Primus Law Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Telephone number XXXX File # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me 9 different letters which are FDCPA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: MN

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See attached

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 2023-08-11 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: IL

Complaint narrative:
I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically XXXX my life.

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 2023-08-11 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: IL

Complaint narrative:
I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically XXXX my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
Fair Credit Reporting Act states that written proof with signature must be required and I have not received anything as of this date from the creditor.

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 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a XXXX holder for over 10 years. I am attempting to inquire about the benefits on my card. I have XXXX Capital One XXXX XXXX XXXXXXXX  and I contacted XXXX to verify my benefits before I travel out of the Country. Capital one provided me with a Guide to Benefits. 

This Guide to Benefits contains detailed information about insurance and retail protection services you can access as a preferred cardholder. This Guide supersedes any guide or program description you may have received earlier. 

After contacting XXXX, they are saying my XXXX XXXX XXXXXXXX has no benefits at all, and all customer service reps ( XXXX ) whom I have spoken with over the last XXXX weeks are saying this is unheard of and very unusual. 

I have spoken with XXXX Supervisors and a Supervisors Supervisor, who claim to have escalated my concerns to XXXX It has been XXXX weeks, and still no response from XXXX. I call everyday to XXXX a manager who has escalated my case, at XXXX. XXXX keeps telling me they are still waiting to hear back from XXXX Execs. 

I travel out the country in XXXX  days, and I need a letter from XXXX verifying my rental car coverage as well as my trip cancellation coverage. I need to know that I actually have all the benefits that are promised to me as a XXXX XXXX Card holder. 

I have spent numerous hours trying to get a normal verification of benefits letter from XXXX, yet no one can help me or no one can explain why my XXXX XXXX cards ( XXXX ) dont have the benefits outlined by Capital one and my XXXX XXXX XXXX benefits guide. XXXX XXXX XXXX Please do not let XXXX get away with promising benefits to customers to open accounts, but not standing by their agreements and benefits when a customer tries to use them. THESE ARE DECEPTIVE FINANCIAL PRACTICES ON BEHALF OF XXXX. PLEASE HELP THE CONSUMER!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by emailing me on XX/XX/XXXX which is a FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: Aqua Finance, Inc.
State: NV

Complaint narrative:
I pulled my XXXX recently and noticed that Aqua Finance reported me late in XX/XX/2023 on my pool loan. I have never missed a payment. If I recall correctly, i contacted them via phone to change my due date as it was set for the XXXX but kept coming out prior to the XXXX which caused banking issues. The rep over the phone agreed to move it to the XXXX of the month but the rep failed to do so, which apparently caused a late payment in the system. 

This isn't correct and I urge compliance to pull the calls and review this claim. This report to my XXXX is false and needs to be removed and marked as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
XXXX XXXX is reporting on my account as late. This payment has never been late.

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 2023-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting on my account as late. This payment has never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
A car that me and my grandmother owned. It was mine I was paying with proof. 

I got it XX/XX/XXXX for around XXXX dollars with a monthly note of XXXX. 

Me and my grandmother inquired during her XXXX treatments me just paying the car off early to avoid confusion but the bank is requiring the enter interest amount of another XXXX XXXX to do so. ( Not counting payments made. 

Unfortunately my grandma passed from XXXX XX/XX/XXXX so I went to get the car transferred under my name. 

During that process I realized the severity predatory car loan and wanted to take time to see if I could get lawyers or you all involved they repossessed the car for a missed monthly payment XXXX, XXXX and now XX/XX/XXXX before I could do so 3 days after my grandmothers funeral. 

My XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX VIN : XXXX Purchased on XX/XX/XXXX Stands with the bank as follows : {$1600.00} Principal Paid Remaining Principal {$14000.00} Only XXXX after it has been paid monthly for 2 years and 5 months. With no option to pay early without paying double the price or give me my car. 

Im out of a car and {$11000.00} dollars PAID. I should not have to suffer from being obligated to take on such a predatory loan or have no transportation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime closed my account and mailed me a check with my balance of {$4500.00} I didnt receive check before I moved and the check was suppose to be returned to chime but some how it ended up in Virginia and sign and deposit in someones account that I dont know nor gave permission to forge my signature. I was advised by chime where refund was from, bXXXX XXXX XXXXXXXX whom bank check came from and XXXX XXXX  whom cashed the check to contact police so i can get funds returned to me. I have attached check chime sent me with forged signature. I have reached out to chime over a year now and nothing has been done. I also reached out to XXXX XXXX  but they said its on chime to report fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
still reporting wrong should be discharged though bankrupcy from penfed 3 accounts. If not fix i am going though legal action

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 2023-08-11 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: NY

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent.

I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked.

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated.

I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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:
XXXX XXXX is reporting on my account as late. This payment has never been late.

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 2023-08-10 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: MN

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-08-10 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: IL

Complaint narrative:
I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: CORELOGIC INC
State: CA

Complaint narrative:
There is a hard inquiry on my XXXX XXXX credit report that I did not authorize. 
It occurred on XX/XX/2023 and the company 's name is XXXX ( XXXX ) There is a hard hit on my XXXX credit report that I did not authorize. 
This one occurred on XX/XX/2023 and the name of the company is Corelogic Credco XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$33000.00} XX/XX/XXXX BANK XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX The Social Security Number XXXX is not mine, I do not have SS but ITIN Also the following names are not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief