vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already disputed XXXX XXXX XXXX on XXXX XXXX and it was successfully removed. It still shows on Experian. After a voluntary repossession, XXXX XXXX XXXX allowed someone else to keep the car and pay it off in my name. XXXX XXXX XXXX left this on my credit in good standing during that period of XXXX and XXXX. Once the debt was paid by whomever took over the car, XXXX XXXX XXXX negatively impacted my score. XXXX XXXX XXXX committed fraud using my credit to finance someone else for 2 years. I do not feel responsible for this debt and would like it permanently deleted with no negative impact. I feel like they stole my identity.

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 2023-01-03 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: SC

Complaint narrative:
ID FOR COMPLAINT SENT TO EQUIFAX XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Applied for Capital One credit card on XX/XX/2022 and was approved. I was sent a card, and was able to use it once. On approximately XX/XX/XXXX, I was told that I had to authenticate my identity and residency, and that my account would be restricted until then. I was asked to submit copy of my drivers license ( front and back ), copy of my social security card and copy of bank statement. 

I submitted all this information, and they informed me that they still could not authenticate me. They told me that I had to send them a copy of one of my checks from my checking account. I had never heard from this, so I asked them what was the problem. They informed me they could not give me the information because of security reasons. This was after several calls to Capital One and conversations with supervisors. I told them to close my account if I was not able to use it because it was restricted and wouldnt give me a reason why. 

On XX/XX/XXXX, I called Capital One because I wanted to know what credit bureau they used to put a restriction on my account. They told me all three bureaus. They refused to give me the credit bureau they used. 

If I had been denied an account with Capital One when I had applied, it is required for them to notify me by mail the reason why I was denied and what credit bureau they used so that I could contact them, and straighten this out. 

How can I correct the matter? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: IN

Complaint narrative:
I HAVE CALLED REPORTING COMPANIES MULTIPLE TIMES REGARDING THIS AND THEY THINGS WILL BE COMPLETE WITHIN XXXX HOURS BUT INQUIRES ARE STILL THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: IN

Complaint narrative:
I HAVE CALLED REPORTING COMPANIES MULTIPLE TIMES REGARDING THIS AND THEY THINGS WILL BE COMPLETE WITHIN XXXX HOURS BUT INQUIRES ARE STILL THERE

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 2023-01-03 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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

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 2023-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I applied for a personal loan of {$1200.00} on XX/XX/2022 to help pay with bills and child care. I was unemployed for some time and fell behind on my bills. I am a single mom and I found myself in a tight financial situation. I made my first payment towards my loan on XX/XX/2022 in the amount of {$160.00} and weekly ever since. I was under the impression that the interest on my loan would cap out at 35 % since that is the legal cap out in the state of California. I was not aware that this is a XXXX loan since I did online. I have already made 19 payment totally to {$3000.00}. I called customer service to see if I can resolve this issue. The customer service representative XXXX XXXX said I would have to pay {$1200.00} today on top of the {$3000.00} I have already paid. I find that completely ridiculous. Being a single mom I can not pay {$1200.00} right now. {$160.00} every week is just too much money. I feel like someone should have called me to let me know the full extent of what I was getting myself into. I dont want to take legal action I am hoping that I can just be forgiven for this loan considering I have already paid {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was getting charged fees with out getting told or recieve of mail or call, I bought stuff online and they never helped me with my money back also there were other banks where my credit was messed up it was at XXXX or so almost XXXX and I opened 3 cards after people started doing it under my name somehow there just lots going on right now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: IN

Complaint narrative:
I HAVE CALLED REPORTING COMPANIES MULTIPLE TIMES REGARDING THIS AND THEY THINGS WILL BE COMPLETE WITHIN 24-48 HOURS BUT INQUIRES ARE STILL THERE

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 2023-01-03 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: CA

Complaint narrative:
Someone has been using my information to open lines of credit, credit cards and bank accounts. These inquires dont belong to me and should not be affecting my XXXX XXXX by appearing on my credit reports. Please have these removed ; 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 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 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 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 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 explanation
Consumer complaint received 2023-01-03 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: GA

Complaint narrative:
Account does not belong to me, called fraud department they sent me forms and I filled them out and still not response or 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 explanation
Consumer complaint received 2023-01-03 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: MI

Complaint narrative:
XX/XX/2023 RE : Method of Verification To whom it may Concern : I am requesting the Method of Verification for the following disputed account ( XXXX ) : XXXX XXXX + Account Number : XXXX ( Partial Account Number ) XXXX + Account Number : XXXXXXXX XXXX + Account Number : XXXXXXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX + Account Number : XXXXXXXX XXXX XXXX XXXX XXXX + Account Number : XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Credit reporting agencies are not allowed to report items on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights under 15 USC 1681 : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion.

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request.

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: GA

Complaint narrative:
When applying for a line of credit through XXXX XXXXXXXX XXXX XXXX XXXX XXXX was reportedly declined because of the following : -High average credit limit or loan amount on revolving/real property trades or credit balance to limit ratio on revolving trades -Low level of authentication indicative of first party fraud or ID fraud -Recently opened revolving trade or limited history on revolving trade The report also said my behavioral risk score was XXXX as of XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX assuming because of the previous list. 

None of this sounds familiar to me. I received this information in a notice mailed to me later after the initial application. 

I was also unable to create certain accounts being told that my information doesnt match/lineup when attempting to check into this using sites such as XXXX XXXX etc I have been trying to get in touch with XXXX  or XXXX, but every time I do, I either get put on hold forover, theyre closed, or I get told I need to have an account for them to actually help me with anything.

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 2023-01-03 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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

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 2023-01-03 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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called XXXX XXXX. Sec. XXXX ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NV

Complaint narrative:
I checked my account and notice there were multiple hard injuries that were on my report that were all incorrect none of these are mine and need to be removed from all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Four months ago, I called Wells Fargo and had them block XXXX XXXX from taking autopayments from my checking account. The reason I did this was because, even though I had canceled my XXXX XXXX XXXX XXXX, the company was continuing to withdraw funds from my Wells Fargo account. During the phone call, a Wells Fargo representative assured me that they were blocking XXXX XXXX, and that the company would no longer be allowed to access funds from my account. I thought this would solve the problem. Yet Wells Fargo has since allowed XXXX to take three {$170.00} withdrawals from my bank account, on XXXX XXXX, XXXX XXXX, and XXXX XXXX, with no end in sight. I have repeatedly contacted both companies by phone and in writing throughout this period of time, yet these unauthorized transactions continue.

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 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I have reached out to this debt collector ( LVNV FUNDING LLC ) about a reporting i'm seeing on my credit report. I don't recognize the account with the Original Company so i sent a letter to the debt collector asking them to verify the account by sending proof of this alleged debt with their company. They send me a statement of the credit card that's in question, not anything that's linking me to this credit card ( proof that this debt is mine ). I did not have any credit card with this company XXXX of XXXX  to XXXX of XXXX. This is damaging my credit. I have the right to a fair and accurate credit report and i feel that I am being deprived of my rights. I ask that this deleted immediately. Its been over 2 months of going back and fourth with this company for them not to completely cooperate with me, this is my life here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
I am intrested in disputing all incorrect information on my credit report with transunion. checking my data ive noticed Alot of errors that is hindering my file. I'm intrested in updating my credit report to clear all my files.

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 2023-01-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Around XX/XX/XXXX, Purchased some products on aliexpress.com with paypal.com credit card ( synchrony bank ). 


XXXX showed items were being tracked and delivered. And gave tracking number through multiple tracking services. Finally tracked through XXXX to showing delivered at my house on XX/XX/XXXX. This delivery never arrived. 


Around XX/XX/XXXX, Attempted to make claim through XXXX, through a convoluted system that was near impossible to properly dispute the delivery, they then immediately denied the claim. 


Around XX/XX/XXXX : Went to paypal credit to dispute the charges. 


Around XX/XX/XXXX Paypal Credit ( synchrony bank ) denied my claim. I still have no products, and am charged around {$320.00} for no products. 
Around that same time I called and disputed the denial. 


On XX/XX/XXXX I received a notice saying they denied the claim again. 
I still have no products, and am being charged for it. 


They want proof that I have no products, how can I prove that I don't have something!?

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