vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 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: FactorTrust, Inc.
State: TX

Complaint narrative:
XXXX along with their affiliate XXXX processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my XXXX report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX along with their affiliate XXXX processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my chexsystems report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.

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 2023-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
I have been paying this loan for a year. When I first got the loan they never said majority of the loan was going else where. The loan is basically still in the same spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I signed up for the Capital One Quiksilver card due to a promotional advertisement for a 0 % interest on purchases for 12 months. They deceptively do not put the expiration date on the promotional rate on any monthly statement. I therefore called to ask when it expired and was informed by a representative the date was XX/XX/23. I paid the balance in full on XX/XX/23. Subsequently I have been charged interest from XXXX because the representative I called after seeing assessed interest charges said that the promo rate expired on XXXX. I asked for the {$15.00} in interest charge to be waived and she said they would not do that. Feel duped and very disappointed in the customer service and also in the deceptive marketing, practice, and lack of transparency on when the promo rate expires.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft, XXXX and TransUnion Credit Bureaus don't care at all that I want to dispute these XXXX ACCOUNTS in my credit file. XXXX! How often do I have to tell them that these accounts are NOT MINE? Please DELETE the following accounts listed below. 
XXXX XXXX XXXX  XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00}.

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 non-monetary relief
Consumer complaint received 2023-06-16 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: MD

Complaint narrative:
I sent this request that you reinvestigate the disputed Accounts from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$8.00}

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 non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX & XXXX Hard Inquiry Removals : 1. ) XXXX XXXX / XX/XX/2023 2. ) XXXX XXXX / XX/XX/2023 3. ) XXXX XXXX XX/XX/2023 This is a violation of the Fair Credit Reporting Act ( Section 1681 b ) and a serious breach of my privacy rights.

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 2023-06-16 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:
DUE TO IDENTITY THEFT, THESE EXPERIAN INQUIRIES DONT BELONG TO ME, PLEASE DELETE FROM MY EXPERIAN PROFILE. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent this request that you reinvestigate the disputed Accounts from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$8.00}

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 2023-06-16 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX Affirm , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX You are in Direct Violation of The Fair Credit Reporting Act ( AFFIRM INC & Account # XXXX ) has violated several of my rights. 
XXXX6 U.S.C 1681 section 602 A. Clearly states that I havo the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
I used LexingtonLaw for years and wasnt aware of what they was doing was wrong and only took more money out my pocket

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: TX

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 XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX # XXXX 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. 15 U.S.C 1681c. ( 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 by 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( 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 by 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 2023-06-16 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: NC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I received an email stating that the reporting agency was not able to verify inaccurate information and is refusing to delete the inaccurate information The burden of proof is not on me to verify inaccurate/negative accounts that are not mine 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

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 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
RENT RECOVERY SOLUTIONS, LLC has been harassing me for over 2 years. The first letter I wrote to them was a debt validation letter in XXXX of XXXX. They never validated the alleged debt. Ive filed numerous complaints through the CONSUMER FINANCIAL PROTECTION BUREAL and to the Attorney General. I've sent them an identity theft report and a notarized affidavit. This is beyond stressful. I have had to get a XXXX  because the XXXX XXXX XXXX XXXX  This account came on my consumer report when my apartment caught fire and I needed to find another home and I couldnt because this looks like I owe a rental company that I dont. I just want RENT RECOVERY SOLUTIONS, LLC to stop harassing me and violating the law. I also sent them a cease-and-desist notice XXXX of XXXX and they still wont stop with the harassment and abuse. I feel like Im being attached in an abusive relationship again. Its too much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have constantly asked this company to update my personal information that is inaccurate and not current. Please have these updates made immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
We want to reopen case number XXXX. It's been 14 days since the letter from U.S. Bank sent dated XX/XX/23 and yet to date, we have yet to receive the check. On XX/XX/23, we went to the XXXX XXXX branch and had a long conversation with a young XXXX teller regarding the fraudulent activity on our acccount and about closing it and getting a check issued to us. He guaranteed that within 10 to 15 days, we would receive the check. Here we are 3 months later and AGAIN we had to do this all over again and AGAIN no check has been received. THIS IS UNBELIEVABLE AND SIMPLY INTOLERABLE, We need to pay bills that are long overdue. What is going on? How much longer will this take. WE'VE BEEN WAITING 3 MONTHS ALREADY since our original conversation with the branch 's employee.

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 2023-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: OR

Complaint narrative:
I am requesting that the mortgage company prove that they are the holder in due course as well as some accounting information as well as proof that they loaned me " money ''. A contract is NOT valid without equal consideration and it is not valid if there is fraud and non disclosure. Also an unanswered affidavit stands as fact in a court of law, proving guilt. 
I have requested this information at least 10 times to no avail. per RESPA regulations, when a consumer askes for information, the alleged lender is to confirm receipt of the communication in 5 days and respond in 45 days. it has been almost 2 years and i am yet to receive an answer. There is NON disclosure from the start of the alleged loan. There is FRAUD and RESPA violations. As per UCC 3-603 the loan was paid in full yet they are still claiming non payment. There is non transparency, deceptive and predatory lending practices. 15 USC 1692 states congressional findings and declaration of purpose about abusive practices. Not only are they not responding to my request which by law they MUST, but they have the nerve to start foreclosure procedures ... epitome of abusive practice. I have certified return receipts going back 2 years with all notarized requests.

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