vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: FL

Complaint narrative:
I recently checked my credit report and I have seen 2 accounts that I was unaware of and did not authorize. I have never lived at those apartment complexes and I don't understand how someone was able to open these lease 's in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: FL

Complaint narrative:
I recently checked my credit report and I have seen 2 accounts that I was unaware of and did not authorize. I have never lived at those apartment complexes and I don't understand how someone was able to open these lease 's in my name

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 2022-10-14 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: GA

Complaint narrative:
There is a collection from XXXX  on my credit report. I have been disputing this collection for MONTHS. Continuously telling the bureaus that I have not done business with this company, continuously asking them to validate the debt and nothing ever happens except them saying " verified ''. This thing has so many issues. They acknowledge my dispute with no proof of validation which is completely against the law, the current balance is lower than the high balance, it says date of last activity for transunion was XX/XX/XXXX but how? Date of last activity for XXXX says XXXX. I don't even know who these people are. My rights have been violated and my credit file is suffering. I have been denied credit due to this. I didn't want to go as far as hiring an attorney but if this is not removed within 30 days I will be hiring a attorney to represent me in court. 
This complaint serves as the final demand for proof of validation. While this is being disputed I also demand removal from my report & cease of 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 2022-10-14 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: MA

Complaint narrative:
TransUnion claims they did an investigation which did not solve my disputes. There are XXXX items disputed on my TransUnion report and they were not address by TransUnion. Per FCRA if after XXXX days the incomplete and/or incorrect items disputed can not be corrected or completed it must be deleted. TransUnion continuously ignores my disputed and just claims that things were verified. It seems to me as if the investigation is not really being done and the answers are very robotic which leads me to believe that a real human didn't take a look at it and do a real investigation and use real judgement and apply FCRA laws to the process in order for TransUnion to be in compliance. At this point TransUnion is in direct violation on multiple accounts according to FCRA.

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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Act 15 U.S.C 1692 Capestone Credit & Collec has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 written instructions. 

15 U.S.C 1692 section 805 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TX

Complaint narrative:
Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX account number XXXX have no idea where this account come from please delete this account immediately. I all so have some inquiries on my credit report that was unauthorized my me XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TX

Complaint narrative:
Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX account number XXXX have no idea where this account come from please delete this account immediately. I all so have some inquiries on my credit report that was unauthorized my me XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts 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 explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several years ago I consolidated about XXXX credit cards with consumer credit services I paid them entirely off and Experian is not removing all of them all Saying they are charged off or a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a retirement check due to hardship from my employer and I deposited it with my bank. Once I started paying off bills which were expensive the bank flagged my card so I went in to the bank and explained what was goin on at which point they closed my account and told me they would send me a check for my remaining amount but the check hasnt came nor can I retrieve my money to pay bills I am about to be evicted homeless with all XXXX of my kids due to this matter. Truist is terrible

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 2022-10-14 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC obtain my credit report without permission to access file on dates XXXX, I have not given company permission to access my credit profile and you have no permissible purpose by law. 
PORTFOLIO RECOV ASSOC in violation of the Fair Credit Reporting Act ( FCRA ) codified at XXXX U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
PLEASE SEE ATTACHMENTS :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I previously disputed a repossession on my credit but the results from Transunion were that the information was stated as accurate by XXXX XXXX. Today I spoke with XXXX at XXXX and have documentation that I have XXXX $ balance and owe nothing for the repossession. XXXX XXXX stated i need to dispute it with the credit bureaus but the credit bureaus states XXXX said its accurate but I have documentation from XXXX that proves otherwise.

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 2022-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Originally XX/XX/XXXX I was supposed to co-sign for a car loan, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX deceived me into signing a contract in my name as full owner. Loan Contract started XX/XX/XXXX with Credit Acceptance Corporation, the next day I tried to call into the customer service to rescind the contract and was told yes only if the auto lot would agree. They disagreed even though I had been complaining that the car was already giving trouble, reported as electrical issues, I tried to file it as a lemon. Fast forward the driver which was the real owner of the vehicle who had been making all the payments to credit acceptance through her bank account contacts Credit acceptance about payment arrangements due to loss of employment. Finally one representative called me XXXX asking for a payment I explained although car was signed by me I was not the physical owner XXXX XXXX XXXX XXXX and had no way of making payments. Covid 19 comes in and payments are put on hold due to pandemic, the arrangements that was made with the driver at the time were then rescinded. I reached out to Credit acceptance asking that payment history be emailed or mailed to me ( XXXX XXXX ) and was never received accurate information. 

Never contacted via mail or phone call and then Repossession of vehicle around XX/XX/XXXX took place. after a vehicle is in the possession of a finance company, there are at least two notices required ; The initial notice is a Notice of Resale Date was never sent. Per my Credit acceptance contractGetting the Vehicle Back After Repossession. If We repossess the Vehicle, You have the right to pay to get it back ( redeem ) at any time before We sell, lease, license or otherwise dispose of any or all of the Vehicle in its present condition or following any commercially reasonable preparation or processing. 
XXXX balance reported {$7300.00} to {$7500.00} XXXX balance went from {$11000.00} decreasing to {$6800.00}. 
Under section entitled 9 A ten percent ( 10 % ) penalty per month shall be added to a refund that is not paid or credited within forty-five ( 45 ) days after return of the service contract to the provider. Now credit acceptance is adding late fees and every month reporting inaccurate balances that I owe, without contacting me about the balance that was owed after the resale of the vehicle that was not in a condition to be sold.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The company has been Experian including false debt reports of XXXX owed on my credit report. I've reported that they had information that was false on my account on multiple occasions. But they refuse to remove it or update my online account information. I thought that it was illegal to add medical debt on a credit report for a bill that's already paid off, plus the bill wasn't even overall. Also, There are more than XXXX accounts listed for companies that I don't even owe money too as well.

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 2022-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Creditors Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) On their first collection notice, they are required to allow dispute of the debt, but the listed dispute website is non-functional. 
2 ) They indicate as required that the debt can be disputed by calling them, but there is no specific number to call to make the dispute. Their general number only allows automatic payments, no dispute process.

3 ) The Mail-in form does not have place to indicate why the debt is in dispute.

4 ) The Company is attempting to collect medical debt where the provider has yet to correct the original procedure code error that would discharge fee/bill to {$0.00}.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have tried to fix this problem and have told the company I had fraudulent activity and my cards were stolen there are many more things on my credit file I have not opened and my wallet was stolen many many times to where I have had personal information taken and tried to be used and I dont know what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I got a call from XXXX at XXXX XXXX  on XX/XX/XXXX. They said I owed a medical debt for myself and my child. They told me the amount was {$210.00}. I believed them and paid for it using my XXXX  card. They said they were XXXX payments receive more company, a debt collector. They said my name and my child 's name correctly and they mentioned dates in XX/XX/XXXX and XX/XX/XXXX when we were in the hospital as well. I looked up my bills though and saw that all outstanding balances were paid. I called my hospitals and they confirmed they don't use that debt collector too. I called the debt collector back and they put me on hold. I hung up and they instantly called back. The women speaking sounded aggressive and determined she was right. But it was strange because before I could identify myself they knew who I was and this was a good hour later that I called them. They sent me an email with my initial payment. They told me they would void my payment and send an email but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 written instructions.

15 U.S.C 1692 section 805 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.

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 2022-10-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX and 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 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 explanation
Consumer complaint received 2022-10-14 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: Chime Financial Inc
State: IL

Complaint narrative:
My card was used on XX/XX/22 for {$95.00} for a website called XXXX XXXX. I did not make this transaction so I called CHIME banking and the woman told me I had to wait for the transaction to no longer be pending to file a dispute. While on the phone they tried to use it again for {$230.00} but i locked the card so it didnt do through. The lady then helped me cancel and order new card. Few days later I put in dispute and get an email back saying no error was found so I will not be credited back. I called today ( XX/XX/22 ) and lady said unless I have new Information I can not make another claim and the first one I made will remain closed. I have emailed XXXX XXXX as well the same day it happened and today and I have not received an email yet so Im stuck with no clue on how to get this settled..

Company response to consumer: Closed with explanation