vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed unauthorized inquiries on my XXXX and Equifax report and provided this information over to the reps, and managers at XXXX and Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items Must be removed but instead they said they DO NOT and WILL Not remove and inquiries and gave no reason as to why. XXXX investigated and removed the unauthorized inquiries but XXXX and Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DCI Credit Services, Inc.
State: CO

Complaint narrative:
Coming from a XXXX situation, these people offered to help me and my husband. We were told we didnt have to pay rent until XXXX started working for them and could generate income. We signed a lease in XXXX, XXXX with a dollar amount of {$750.00} when we had absolutely no income, and was told we could live rent free until we had income. This was a lie as there was a dollar amount on our paperwork. We owed money to them as soon as we were supposedly being helped until we got on our feet. I was in their debt immediately with their handout of help as they said. I also requested that a felon with a background of violent crimes does not be allowed to be on the lease as a lease holder. Knowing this person wasnt responsible ( XXXX XXXX ) and having had issues prior with him and my bills, they refused and made XXXX people be on the lease. ( Just like I knew it would, XXXX caused me problems with my credit and rental history, purposely. He is also my abuser. ) I was continually harassed by the owners. They made a false report to XXXX of XXXX XXXX XXXX of XXXX, made false reports to local police during XXXX & XXXX. ( I was being harassed. The owners were being lied to by my husband, the abuser, and they were acting out against me because of what was falsely being stated about me. I was XXXX and did not have heat in the second unit during the entire winter months. I contacted the local HUD office to make a complaint about the heat, soon after the heat was fixed. She gave us XXXX space heater to use for a XXXX bedroom apartment. The repairs were not compeleted until the following year of XXXX. 
Due to all of the harassment and the problems I was experiencing living here, I filed a protection order and decided to remove myself from the property and the situation as I was not safe at all. 
I was discriminated against as a woman, and now Im being retaliated against against my credit history with XXXX bills that have charges against me that I should not owe. 
These people wont leave me alone, and will not stop try to find out information about me to use against me in a harassing manner. 

The creditor has taken a wage garnishment from me during transition of employment. 

Im having trouble paying rent due to being XXXX and I can not catch up since XXXX restrictions happened. 

If anything this company can charge me for the month I was leaving and the next month per North Dakota Laws with protection orders. 

Im being retaliated against for excesising my rights to removed from this lease.

My personal information is getting found out from these people and then they are using it to harass me. Im about to get a restraining order against the persons running this company because they will NOT leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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, these accounts has violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 B : 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 2022-04-28 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, these accounts has violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 B : 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 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I, XXXX XXXX, Consumer, dated on XX/XX/2022, am demanding Yamaha Motor Finance Corporation USA, to send I, XXXX XXXX, a Payoff Quote of the current balance on my Yamaha account. Please send this information via Consumer Financial Protection Bureau, and as well a copy via Postal Mail. Pursuant to 15USC 1681n ( a ) ( A ) ( B ) for any noncompliance whatsoever fines will be applied. Thank you. Best regards!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. BANCORP
State: NC

Complaint narrative:
US Bank canceled my loan with them without my notice. I want US Bank to reinstate my loan with them. US Bank breached my car loan with them causing me to possibly having my car repossessed. Once agin, I would like US Bank to reinstate my loan with them. There was no reason for them to cancel my loan with 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 2022-04-28 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 602 A. States 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 2022-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Numbers # XXXX XXXX # XXXX, Amount : {$6100.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX XXXX # XXXX XXXX Amount : {$6600.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX/Dept of ED # XXXX Amount : {$2000.00} Date:XXXX, Action : I contacted them* XXXX XXXX # XXXX Amount : {$560.00} Date:XXXX, Action : Closed account returned device. 
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 writt
en 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: FL

Complaint narrative:
I have requested that incorrect addresses be removed from my credit report because it has made my profile susceptible to identity theft and fraud, however, the reporting bureaus continue to refuse to remove addresses for which I have no access to that are not my current address. Due to the bureaus unlawful refusal to comply with the law, I am now having to pay legal fees to fight identity theft with persons who continue to acquire my personal information illegally through incorrect addresses that have been directed be removed from my credit file permanently.

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 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$880.00} / XX/XX/XXXX XXXX XXXX  / {$2800.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/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 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  / {$2800.00} / XX/XX/2021 XXXX XXXX XXXX/ {$280.00} / XX/XX/2021 XXXX XXXX {$0.00} / XX/XX/2021 XXXX  / {$0.00} 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 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  / {$2800.00} / XX/XX/2021 XXXX XXXX {$0.00} / XX/XX/2021 XXXX  / {$0.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Back In XXXX Of 2021 I applied for a loan with Acima. Now in reference to there responses, the company website clearly mentioned no credit check meaning the contract states the company can report or check credit scores but online it doesnt mentioned anything as such. The company needs to provide a full explanation explaining why the website states one thing and the physical contract says another. No credit check means no credit check and Ive dealt with leasing companies in the past that advertises no credit check and its not on my credit report at all. Stop falsely advertising your website if its a actually credit check and Im still reporting this company to the Attorney General for an complete investigation because they are ripping consumers off with fees if you can not pay within 90 days of signing the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA may be deliberately violating its recent Consent Agreement with the CFPB by not properly investigating DISPUTED credit card charges, refusing to show when consumers timely dispute credit card charges, and engaging in unfair collection of fees and adverse credit reporting intentionally violating federal consumer protection law. 

Relevant details are described herein :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
Once again, Navient is raising my private loan payments without proper notice or explanation. The repayment amount keeps creeping up and I am fed up with trying to communicate with them so I am filing a complaint. 

My payments were set at around {$530.00} a month for the better part of XXXX into XXXX, and last month they were raised to about {$550.00} and now this month they are at {$560.00}. I do not know why they are being raised and it has not been made clear to me via any timely communication. Furthermore, my payments are almost entirely applied to an extremely high interest rate, with only around $ XXXX being applied to the principle of the loan. I contacted Navient in XXXX of XXXX and asked for an explanation of why that was, and was told they had no information on the issue. This doesnt make any sense to me. 

It is suspicious to me that on the heels of their lawsuit loss suddenly my payments are being increased, when they should be forgiven entirely. They have lied to me and manipulated my and my co-signers vulnerability at every turn, as you will see in the multiple complaints I have filed against them over the past several years. I have been bending over backward for their whims only to constantly have the rug pulled out from under me around every turn, and I am tired of the constant jerk around they give me. It isnt fair that I am constantly punished by them for working extremely hard to pay the predatory loans back, and I should qualify to have my debt forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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:
There are two accounts that show on my credit report that do not belong to me. I am attaching my Experian report for your reference. The account named " XXXX XXXX XXXX '' on page 45 and " XXXX XXXX XXXX  '' on page 53 are two collections agencies shown on my credit report. ( I am including a pdf ). I have disputed these accounts with them several times in writing and through experian.com and they refuse to remove that from my credit report. I never opened any accounts that were passed two these two collections agencies. They simply indicated that it was me because the person that fraudulently open the accounts had " been making payments '' on those two accounts. However, I never authorized anyone to open an account and much less to make payments on them. I have been denied credit because of these two accounts. It has been years and I am unsure what else I can do to remove them. I have also been receiving subprime rates and I am unable to refinance my student loans.

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 2022-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have XXXX and was notified about a hard inquiry on my credit which was associated with XXXX XXXX XXXX. I do not know the exact inquiry date but just received the XXXX notice today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: OneMain Finance Corporation
State: OH

Complaint narrative:
In Accordance with the fair Credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states that a consumer Reporting agent can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end Consumer credit plan As late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I viewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXX  / {$0.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/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 2022-04-28 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: NY

Complaint narrative:
I submitted XXXX dispute investigations to Transunion Credit Agency regarding my XXXX  XXXX Account and XXXX account and I request how the account was verified and i never get back the proof on how the account was verifiyed nor do I received a copy of my signature on the original document so I can confirm this account is infact mine. XXXX and XXXX both deleted the XXXX accounts as they said they were unable to produce what I requested and Transunioon no matter how many disputes I send I never receive the information I request nor does the account update on my credit report.

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX. XXXX. 
I have received account registration text confirm from my phone number XXXX last night as the screenshot pic shows. But i didnt do that new registration I already had an account with Oportun online banking website. 
I have just reported lost card and freeze use of card but not send a new card to Oportun credit card company yesterday afternoon. 
Its a FRAUD.

Company response to consumer: Closed with explanation