vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
my credit was in a data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This company is reporting an account on my credit report that is not mine, nor do i have knowledge of this said debt or any obligations, agreements or contracts with this company. This is a violation of my FCRA, FDCPA, XXXX, and more or other state and federal laws and statutes. They state that they are not attempting to collect on a debt and they they say they are. This is confusing as a consumer. Which is also a violation of my rights. We also sent is a cease a desist communication and from attached documents you can see that they where still communicating through means of median through credit reporting agency and credit report. 
15 U.S. Code 1692j - Furnishing certain deceptive forms 15 U.S. Code 1692c - Communication in connection with debt collection

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 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Reasoning : you have a right to privacy they need to produce your signature showing you gave them consent otherwise this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capitol one bank atm machine miscounted deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TomoCredit Inc.
State: IL

Complaint narrative:
Credit card was reporting to bureaus. In XXXX XXXX, my line stopped reporting to XXXX. In XX/XX/XXXX, my credit card stopped reporting to XXXX. And in XX/XX/XXXX, my line stopped reporting to XXXX. This card is XXXX years old, and stopped reporting which caused a drop in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is saying I have two hard inquiries and then lists only one as a hard inquiry which is correct but they lowered my score XXXX points? Also I linked my credit union account to allegedly " boost '' my credit score but after linking the account their so called service left off a TWO YEAR OLD auto loan with XXXX XXXX and then forecast an additional XXXX point DROP instead of a boost. To add insult to injury, they have also sent personal loan recommendations with interest rates that apply to a MUCH LOWER credit score than mine of XXXX % which is insulting and wouldn't function as the economic relief you should obtain with a refinancing of an existing loan at 29.99 % which I didn't deserve either. Please help. I am a XXXX XXXX with perfect rent and auto loan payments even through the pandemic so they can't use that one. In addition, their so called boost service doesn't link with the bank for XXXX which has all five years of my rent payments. Isn't that interesting since a good number of people in my demographic use XXXX as their only means of banking?

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 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: WA

Complaint narrative:
Applied for credit card with US Bank, asked for balance transfer to my existing credit card with another bank, online after receiving paper offer from US Bank for 21 months no interest. 
They approve account and opened it instantly, XX/XX/year>. 

Got letter from US Bank on or about XX/XX/XXXX, saying to expect up to two months for balance transfer to complete. 

Called US Bank mid March to inquire why I'm not seeing payment at XXXX XXXX  yet, but see the new balance on the US Bank card. Was told " we sent payment to XXXX XXXX XXXX, are you sure you don't have account at XXXX XXXX ''. That CSR said they would put stop payment on check to XXXX XXXX and send check to correct bank, XXXX. 

Called again on or about XX/XX/year>, to inquire status, was told XXXX XXXX had cashed check from US Bank already and that I SHOULD CONTACT XXXX XXXX and get them to send the money back to US Bank. I asked for supervisor, was told same thing, ask for another supervisor, again told that I should contact a bank I have no account with to claw that money back. I responded that US Bank made the error. I can prove it. They sent me a paper copy of the check they mailed to XXXX XXXX XXXX  and it shows my correct card number over my name ( that card number was the only thing the online system asked me for during the application process for the US Bank card ). But they sent it to the wrong bank for payment and that had nothing to do with me. 

I don't believe that I should be forced to try and chase down that money from XXXX XXXX, that US Bank should have to do that. It's crazy, how could I contact a bank I have no account at and demand they send another bank money back which they received in error. Without me having any account at their bank, how would they even look for those funds? 

The copy of the check shows it was dated XXXX and was cashed on XXXX and signed by a XXXX XXXX It was sent by Elan Financial Services Agent for U.S. Bank National Associates Pay to the Order : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see attached images of the check

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit card was reporting to bureaus. In XXXX XXXX, my line stopped reporting to XXXX. In XX/XX/XXXX, my credit card stopped reporting to XXXX. And in XX/XX/XXXX, my line stopped reporting to Equifax. This card is XXXX years old, and stopped reporting which caused a drop in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit card was reporting to bureaus. In XXXX XXXX, my line stopped reporting to Experian. In XX/XX/XXXX, my credit card stopped reporting to XXXX. And in XX/XX/XXXX, my line stopped reporting to XXXX. This card is XXXX years old, and stopped reporting which caused a drop in 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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. It hurting my ability to obtain credit.

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 2024-04-14 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; has violated my rights. 15U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681 c. ( 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 more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One ( ... XXXX ) has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ) Capital Ones negligence on this account has caused a negative credit bureau report. 
I paid a total of {$2700.00} through XX/XX/2022 through a XXXX XXXX solutions program which my wife XXXX set up for us. All was going well. Then without our knowledge, Capital One withdrew from receiving monthly payments. For 2 years afterwards, Capital One never sent us any kind of communication for additional balance after they refused monthly payments leading me to believe the account was paid off. 
We didnt find out about a remaining balance until my credit reports were recently pulled when I applied for a loan. 
I have contacted Cap One about this but was told the account does not exist and the second time I contacted them, they had no explanation as to why I wasnt informed that they were no longer accepting payments and why they never me statements for previous balance or the remaining balance. 
I should not be penalized for their negligence, gross lack of communication which denied me the chance to at least be aware of the outstanding balance after they stopped taking my monthly payments. The account is over 7 years old, I am requesting it be removed my XXXX & XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torriere Holdings INC
State: FL

Complaint narrative:
I borrowed XXXX from XXXX XXXX in XXXX  I think. I was faithfully paying them. I received a letter from them saying I owe them XXXX. I will not be paying that PERIOD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The Accounts Listed Below have violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX- Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, and XXXX  XXXX Acct # XXXX, have violated my rights. 

15 U.S.C. 1681 Section 602A. Clearly states, " [ I ] have the right to privacy. Furthermore, 15 U.S.C.1681 Section A Subsection ( 2 ), states, " a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c Section ( a ) ( 5 ) further states : no consumer reporting agency may make any consumer report containing any following items of information and/or any adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-1 Sections ( A ) ( 1 ) : Indicates a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ; XXXX XXXX XXXX  XXXX ; has violated my rights. 15U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681 c. ( 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 more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ; XXXX XXXX XXXX  XXXX ; has violated my rights. 15U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681 c. ( 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 more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> transunion sent 8 of my creditors a letter indicating that the accounts was fraud. They all was closed in XXXX. I filed a dispute against XXXX  for the amount Only!! However transunion had all the cards closed for fraud which was NOT true.They destroyed a 10-15 year relationship with my creditors. I just started a small business last year I needed the cards for supplies and shipping etc. I have call and emailed and live chat for three months now. I filed complaint with XXXX  and transunion lied and said they would send letters of apology and error to them & myself that never happened. The creditor refuse to open the accts back up do to the fraud. I owe those creditors there was no fraud. Transunion outsourced our info our ss numbers should not be handled by people out of the country. I spent an hour last week trying to get things rectified still nothing. I am mentally drained.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: AZ

Complaint narrative:
Lexis Nexis is refusing to provide my credit report, I sent them my ID, and proof of address and everything else they have asked for, it has been over 60 days and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. It hurting my ability to obtain credit.

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 2024-04-14 00:00:00
Product: Credit 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On Saturday, XX/XX/2024, at approximately XXXX XXXX, I ordered what I believed to be one ( XXXX ) bottle of XXXX XXXX  for the amount of {$39.00} from XXXX XXXX XXXX. 

On XXXX, XX/XX/2024, at XXXX XXXX, I received a Digital Federal Credit Union Fraud Alert notifying me of suspicious activity on your XXXX Credit Card ending in XXXX and need to review 1 transaction. 

Subsequently, I responded NO to whether or not I approved a charge for {$190.00} at XXXX ON XXXX. 

The following message read Your card has been blocked due to unauthorized use. Nevertheless, the bank paid the unauthorized amount, which I did not discover until late. 

On XX/XX/2024, I filed a Consumer Complaint with the Massachusetts Attorney Generals Office. 

DCU Customer Service admitted that most banks would not submit payment but offered no assistance in helping to mitigate the situation. 

On XX/XX/2024, I filed a Consumer Complaint with the Massachusetts Attorney Generals Office. 

On XX/XX/2024, at XXXX AM, I spoke with a DCU Customer Service Rep ( XXXX ) XXXX to inquire they were unable to unblock the card used during the transaction in order for XXXX XXXX XXXX to return the monies collected after they received the returned unopened package. 

Digital Federal Credit Union has remained dismissive in every way regarding this situation, accepting no responsibility nor helping me to recover the monies they paid to XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: NY

Complaint narrative:
Bait and switch tactics. Loan rate clearly stated for those who meet the requirements which I do. Rate provided was not even close to the offer stated in writing. Additionally they placed a hard inquiry which lowered my credit score that will now hurt my rate provided by legitimate lenders. If a company puts a rate in writing, states requirements and then offers something completely different is unethical and should not be permitted, Rategenuis did just that, bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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