vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a victim of Identity theft. I have been desperately trying to get these collections deleted off my consumer report from XXXX XXXX so I can be approved to but me a home this year. 
However, the original creditor is CAPITAL ONE BANK USA, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did authorize or consent for any person or agency to put this debt on my consumer report. Please in good for of my consumer rights please remove and permanently delete all negative accounts and inquiries from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how Experian violated my rights. 


XXXX Account XXXX XXXX XXXX Account Number : XXXX : XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX  Account XXXX, XXXX Account XXXX Validate Account XXXX Account XXXX XXXX. Validate Account XXXX XXXX  Account XXXX Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account Number:XXXX Validate Account 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 2023-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
On today, XX/XX/XXXX Quality Acceptance repossessed my XXXX XXXX  pop from in front of my place of employee through a third party company after I did not pay the month of XXXX because I had submitted a XXXX ( XXXX ) XXXX ( XXXX ) and a XXXX ( XXXX ) for the vehicle to Quality Acceptance that was accepted by the IRS for payment in the amount of the vehicle. I also submitted a remedy letter, a conditional acceptance letter, letter to creditor, and it was notarized along with the coupon thats attached to the monthly bill. I certified mailed ( XXXX XXXX XXXX ) that packet to the CEO of the company and it was received and accepted by Quality Acceptance on XXXX. I did not receive a response, which stated in the letter that if not responded to within 7 days that they accepted and agree to my conditions. I tried to remedy everything and they responded by repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: OH

Complaint narrative:
I am oblivious to this balance on my credit report, it must be another person 's information merged with mine. I wrote the collection department a formal letter on XX/XX/2022 in regard to this matter but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery : calls me several times every day from different numbers and it just doesn't stop. I owe them nothing and told them to stop calling me and it still keeps coming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a second complaint because Experian is not deleting an address that is not mine : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

They responded by saying they couldn't find that information on my credit report. Today XX/XX/XXXX I logged into my Experian account and the address is still there. I'm submitting a screenshot with the address because they clearly not doing their job.

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 2023-01-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3.. XXXX  Account Number : XXXX 4.. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: VT

Complaint narrative:
I recently disputed this account with the bureau and the bureaus said it came back verified. I never received anything about this debt to know if it belongs to me and the original creditor. I'm not going to be paying a debt that is not mine. I sent a letter to Fox Collection on XX/XX/22 and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights XXXX5 USC 1681 section 602 A, States I have the right to privacy 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish my written instructions 15 USC 1681 ( a ) ( I ) 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 2023-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/2022 for my graduation I was buying shoes from macys when the man at the counter told me I was getting a gift card from the store that I could use to pay for the shoes. I put it my information. A few months later, I realize it was actually a credit card as now I am getting calls from a collection agency??? My credit is shot as I am applying to law schools, I can not even buy my own apartment because of this.

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 monetary relief
Consumer complaint received 2023-01-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
I sent a letter on XX/XX/22 to XXXX XXXX XXXX regarding credit inquiries. I have not applied for any credit and I have placed fraud alerts on my account. If someone tries to open credit I will be notified. I tried reaching out to the company to resolve this issue, but I have not heard anything back and it's still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX I submitted a second complaint because Experian is not deleting an address that is not mine : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

They responded by saying they couldn't find that information on my credit report. Today XX/XX/XXXXXXXX  I logged into my Experian account and the address is still there. I'm submitting a screenshot with the address because they clearly not doing their job.

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 2023-01-11 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXXXXXX, XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-01-11 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : FXXXX XXXX XXXX  XXXX Act Name : XXXX XXXXXXXX, XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$340.00} XXXX XXXX XXXX SERVICES # XXXX OPENED XXXX XXXX XXXX XXXX XXXX # XXXX OPENED XXXX XXXX XXXX I AM WRITING TO SUBMIT A COMPLAINT TOWARDS THESE CREDITORS AND TRANSUNION CREDIT REPORTING AGENCIES BECAUSE THESE ACCOUNTS APPEAR ON MY CREDIT REPORT BY MISTAKE OR BY FRAUD. THEY DO NOT BELONG TO ME. MY NAME IS XXXX XXXX. I DO NOT HAVE ANY SUFFIXES OR GENERATION CODES, HOWEVER CREDIT REPORTING AGENCIES REPORT THAT THERE IS A GENERATION CODE WHICH IS THE SECOND BY MY NAME. THIS IS NPT CORRECT. I SUBMITTED MULTIPLE DOCUMENTS TO TRANSUNION AND THE CREDTORS ABOUT THIS DESCRIPANCY BUT THERE IS NO RESOLUTION. WHAT CAN I ASSUME THAT EITHER IT IS FRAUD OR AS MY NAME IS REPORTED INCORRECT, THESE ACCOUNTS MIGHT BELONG TO SOMEONE ELSE WITH THE SAME NAME. I HAVE SENT FTC REPORT AND ALL OTHER SUPPORTING DOCUMENTS BUT THE ONLY CREDIT BUREAU WHICH IS REPORTING THESE ACCOUNTS AND THAT IS TRANSUNION IS NOT WILLING TO MAKE ANY CHANGES. PLEASE ASSIST ME TO REMOVE THE MENTIONED ACCOUNTS FROM TRANSUNION CREDIT BUREAU AND OTHER AGENCIES IF THEY ALREADY REPORT PERMANENTLY. BECAUSE OF THESE ACCOUNTS MY CREDIT SCORE AND HISTORY ARE SERIOUSLY DEMAGED. ANY QUICK ASSISTANCE AND RESPONSE WILL BE HIGHLY APPRECIATED. THANK YOU IN ADVANCE!

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I been trying to get Experian to update my address since 2020, XXXX has inaccurate information on my report since 2020, XXXX has inaccurate information on my credit report since 2020. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the third year. This is insane.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account # 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 2023-01-11 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: WI

Complaint narrative:
I noticed there had been misleading credit inquiries added on my credit I'll like to have remove! None of these hard inquiries were authorized by me. 

Not Authorized by me XXXX hard inquiry Not Authorized by me XXXXXXXX XXXX hard inquiry Not Authorized by me XXXX XXXX hard inquiry Not Authorized by me XXXX hard inquiry Not Authorized by me XXXX XXXX hard 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 non-monetary relief
Consumer complaint received 2023-01-11 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.

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 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-11 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX days. 
See documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

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 2023-01-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604A 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened my XXXX credit card account in XX/XX/XXXX. I have been using it infrequently ( 1-3 times per year ) and almost exclusively to shop at XXXX. Since I opened my account, it has been set on autopay, for the full balance to be paid on the due date. Hence, I never have had any late payments since I opened the account XXXX. 
In XX/XX/XXXX, the account was transferred from XXXX XXXX to CapitalOne. 
In XX/XX/XXXX, I made an online purchase of {$89.00}. I have made no other purchases with the card since. 
I received a statement in XXXX, reflecting the charge. However, since my account was set to autopayment, I did not balance it manually. 
I did not hear back since. 
In XX/XX/XXXX, I was made aware by my credit monitoring firm that my account had been reported as late to two major credit bureaus. Also, due to multiple late fees applied, plus interest, the balance had ballooned from {$89.00} to {$200.00}.

I called the new servicer, CapitalOne.

It turns out that when CapitalOne 'bought ' the CC account, they failed to transfer my account settings. Hence, the autopay had been cancelled without my notice. While I had received some generic mailings about the transfer of providers, I was not specifically made aware of their failure to transfer my account settings correctly, especially not the fact that they arbitrarily cancelled the autopay I had set up for the account when I opened it. Since my bank account had not changed, I did not have any reason to suspect that the new servicer would single-handedly change my account settings. 
Unfortunately, a lengthy call into CapitalOne did not result in any accommodation on their part. I had requested that the late fees be waived and the damaging reports to credit bureaus rescinded. Both were declined by CapitalOne.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I have faxed over documents to Midland Funding on XX/XX/2022 for a debt validation for {$610.00} per the Fair debt collection practices act, 15 usc 1692g. I requested they office provide me with competent evidence that I have any legal obligation to pay them. They have failed to provide me that information, instead they provide what looks like an old bill from an unknown address. They also failed To stop telephone contact after my cease and desist to stop phone call attempts. *Documents are attached of what I sent company and what company to to my response*

Company response to consumer: Closed with explanation