vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 
XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, 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 2023-07-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CORELOGIC INC
State: TX

Complaint narrative:
XX/XX/23 Called and spoke to XXXX requesting my free consumer report with Credo. I explained that I was a victim of identity theft. I was informed that they no longer provide reports unless I applied for a mortgage or auto loan recently. She said they were now a tech company. I requested that they could email me that in writing, but I was told no. There should be some sort of process in place that can provide consumers with information regarding their reports.

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 2023-07-12 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: PA

Complaint narrative:
These accounts have been charged off as a bad debt as of XXXX XXXX in the amount of $ XXXX & XX/XX/XXXX in the amount of {$1700.00} yet both continues to report a balance on my credit report. I have disputed it several times and called into the company regarding this matter. I have a credit card with the company that I was able to open in XXXX, yet they continue to report old cards that can no longer be collected on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
I have had a loan with Mariners Finance and the percentage rate is over 20 %. my payment is XXXX I've been making payments i even tried to roll it into a debt consolidation but they said they would take legal action. I told them I was protected under the SCRA and they said it doesn't appley to them. 



Opened On XX/XX/2022 APR 29.90 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One fails to uphold their obligation and duty to be accurate, fair, clear and concise, and uphold consumer laws. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) states that excluded from a consumer report are transactions ( late payments ) and experiences ( utilization ). Why, after my many letters and calls to dispute this, are they still reporting anything on my account? Late or not, this information is private and should not be listed. I have opted out of being reported and they still share my private information with their third party agencies, ones who have not been granted permissible purpose. 

I called in yesterday XX/XX/23 to dispute this again and the woman told me she refused to talk about laws. She put me on hold to talk to a supervisor, and after 2 minutes it automatically hung up. I just spoke with XXXX XXXX XXXX # : XXXX. She told me there was nothing she could do as far as the consumer report. Interesting when the consumer reports reflect information capital one furnishes. I asked her to provide me with disclosures on how to dispute and she told me she could not send me anything but the she could tell me over the phone. What!? I literally had to try to write down word for word the address and information to include in a dispute. Not to mention she was speaking so fast. I told her you seriously can't slow down? Let alone send me disclosures and information i am requesting? I literally have to write down all this because you are failing to correct my information? I've never heard of a company that will hide information that should be clear and easily accessible to all consumers. 

Capital one is not listening to their consumers. They are STILL not being accurate on consumer reports. And when consumers try to get information to dispute and correct them, they are making it unclear and difficult to receive the information to exercise our right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
One Main has reported incorrectly on my credit report which is presently being reported negatively on my XXXX Credit Report, I have attached the changes that they have made to my account which clearly shows incorrect reporting in certain months, Per the FCRA this account needs to be corrected and removed from my credit report. I have suffered credit denials and adverse credit decisions due to the erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
When using Capital One 's bill pay feature the bank deducts the funds from my account the day the ( paper ) check is sent ( via XXXX mail ). I understand that some transactions are electronic and XXXX therefor warrant an immediate deduction but that's not the case here. The latest incident involves a payment request for a local electrician who has not provided his bank account information and does not receive electronic transfers so sending a paper check is the only option. On XX/XX/XXXX I requested that the bill be paid to the electrician and the bank immediately deducted the funds from my account. Yesterday, XX/XX/XXXX, the electrician contacted me saying he had not received payment. I called the bank ( speaking with XXXX and XXXX in XXXX ), stopped payment on the check, and was told that they would open an investigation and pending the results, the funds might be returned to my account in 4-6 business days. I asked where the money was and was told that they sent it to the electrician, which unless they sent an envelope full of cash, is not true. They've still got my money and are earning interest on it in the interim. Is this legal? It's not the first time Capital One has deducted funds in advance of payment ; it's just the most recent example.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been trying to dispute this inconsistent off my Experian report I have contacted these agency on several attempts and have been unsuccessful in results. I have contacted Experian on this matter on XX/XX/23 and investigation was completed XX/XX/23. I launched a re-investigation XX/XX/23 and it was completed by XX/XX/23. 

>>> The information you disputed has been received. The results are : THESE ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EXPERIAN CREDIT FILE SEVEN YEARS FROM THE REPORTED DATE OF THE INQUIRY.

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 2023-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I created a Citizens Access savings account and deposited {$10000.00} on XX/XX/2023. On XX/XX/XXXX I linked the savings account to my XXXX account. 

On XX/XX/XXXX I tried to withdraw {$400.00} to put into my XXXX account. The withdrawal occurred but then was reacredited and my account was then frozen on XX/XX/XXXX. 

On XX/XX/XXXX I deposited more money ( {$4700.00} ). My balance reflects the two deposits which all show in my statements. 

On XX/XX/XXXX I called the Citizens Access support number ( XXXX ) because my account was still frozen for more than 10 days. The representative on the phone said that my " account was under review and there is no available information at this time and to wait ''. 

On XX/XX/XXXX I went to a Citizens bank ( listed on their website ) in person to straighten out the problem and find out what was going on. They told me that they couldn't even find my account in their system and told me to call XXXX. I called and they said the same thing : " account was under review and there is no available information at this time and to wait about a week ''. 

Since it's already been 3 weeks since my account was frozen, I decided to call the number on the bottom of the Citizens Access website ( XXXX ). The representative who answered the phone on this call said exactly the same thing " account was under review and there is no available information at this time and to wait ''. So I asked if I could speak to a supervisor who said the exact same thing : " account was under review and there is no available information at this time ''. 

My account has been frozen for 22 days and no explanation has ever been given to me as to why and when the problem will be resolved. 

I'd really like access to my money and to be treated like a customer and not a criminal. Can you please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX XXXX XXXX daughter XXXX XXXX is trying to get student loans for college and has been denied as Transunion is showing a " block ''. When she calls XXXX, they will not speak to her as she is under XXXX. She was advised to make an online account and we tried that but it will not allow her as she is under XXXX. I made an account but I am unable to communicate with them as I am not her! They want me to get power of attorney for her, in order to speak to them, although she is sitting with me when I call! I have called multiple times, so has she. Sometimes they tell her a few things such as they have one digit in her SSN wrong. We have had to both fax and mail a copy of her SS Card, drivers license, my drivers license, my paystub showing my address and her birth certificate proving I am her mother, along with a note asking them to " unblock '' her credit. She is alternating being told that there is a block on her credit and that one digit is wrong. We really do not know the truth. We have also utilized the chat feature that Transunion is pushing, but the people on chat say to call, this can't be handled in chat. I have explained they will not speak to either of us, and still no one is helping. I have filed a XXXX complaint and it seems that was closed when Transunion told them I need power of attorney. For my XXXX XXXX XXXX child who lives with me her whole life! 

So she was denied her student loans for this reason. After waiting XXXX business days since the last time we mailed in the appropriate documents and request, she called Transunion yesterday XX/XX/XXXX, the person on the phone said they did not see any issues so to assume it was handled. We again applied for the student loan yesterday and today was denied again! stating Transunion has a block. This is absolutely ridiculous. She will not be XXXX until XX/XX/XXXX but her tuition is due XXXX. We have been messing around with Transunion on this since late XXXX. The bank who she has applied for her student loans through says the other XXXX credit reporting agencies do not have a block and Transunion is the only 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-07-12 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My card was compromised therefore it was canceled and a new one is being sent out to me. In the meantime there were still transactions that were made after the fact with the same debit card. I am missing about {$1000.00} now. I am not understanding how this was even allowed to be done, the card was canceled and for the next day or two afterwards they take out {$800.00} plus another XXXX which I have no idea where it even went. I had a XXXX XXXX come through the other day but there were two {$200.00} XXXX XXXXXXXX  that were supposed to have been put through the account one was returned and one disappeared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
In XXXX sent Midland Credit Management a 2nd dispute letter stating this account below is not mines, they are mistaking my identity. For one I am XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX, thats a violation it self. I got the reply from you guys recently and I think I need to make myself more clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Pursuant to the nationwide multistate licensing system consumer access portal the pentagon federal credit union doesn't have a installment sales contract license to sell contracts in the state of Alabama or and type of license that would have made the credit transaction valid. 

Pursuant to 15 U.S.C section 1666 entitled correction of billing errors ( 2 ) a reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 

Pursuant to 15 U.S.C section 1640 entitled Civil liability.

Pursuant to 12 CFR Section 226.15 right of rescission as a consumer I'm entitled to rescind my contract if I find it to be fraudulent in any way, but the finance company has refused to honor my request per federal regulations and/or applicable law. i wanted to rescind the contract without giving up my rights to the collateral interests of the loan. 

I Made 9 months of payments totaling {$2800.00} without the lender having proper contract from previous lender, in which I never had a signed contract with the previous lender. 

penfed also didn't include insurance in the finance charge pursuant to 12 CFR Section 1026.4

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX  {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX 2023

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