vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have submitted a dispute because the car rental company is not responding. I submitted a dispute with XXXX XXXX Barclays about it and they have closed the dispute stating they sent me a letter which i did not receive. 

I called XXXX XXXX  numerously to check on the status of the dispute and each time I get the run around and they tell me to call back. I called XXXX XXXX on XX/XX/23 and they said to call back again. 

Today I called to check on the dispute and XXXX who was very rude and dismissive towards my call, said there was a letter sent at the end of XXXX ... That is not true. I did not receive a letter, I only received a statement but never a letter. 

So they closed the dispute and never spoke of any correspondence from XXXX XXXX XXXX 

The car rental place deceived me with their emerald program, and over charged me without even giving me a rental agreement when i received the car. So all information was unknown to me until i dropped the car back in 2 days and they gouged my credit card.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated 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 are fraud. Please delete the accounts XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2023-05-05 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: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Please abide with the law in order for this matter to be resolved promptly. This is the unverified account that needs to be corrected : XXXX XXXX XXXX XXXX XXXX : {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
ok i have this account number with HMF " XXXX " last year i moved from XXXX to XXXX  HMF sent the title from XXXX  to XXXX  to complete the state transfer at the DMV however the title got lost in the mail according to this tracking from XXXX XXXX since XX/XX/22 and nobody did his job by confirming if anybody received this title complete mess, couple of weeks ago i got letter from the XXXX in XXXX  saying that they put a hold on XXXX  title because they didn't receive XXXX  title, i called the customer service tons of times and i honestly felt like it was a mistake going with this institution i could've financed with my bank at least when i call the customer service i will find someone who speaks XXXX, majority of the agents i spoke to should be fired for not even understanding the language of the country they serve and the rest who speaks XXXX they gave me different story eveytime literally different story everytime i call " oh we sent it already and its on the mail '', " oh we escalated it to the title dept and you should hear within whatever '', " oh we sent a request to the XXXX to request a duplicate title '' XXXX XXXX XXXX XXXX XXXX without any resolution in the horizon This is my last resort before taking a legal action

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 2023-05-05 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: NRA Group, LLC
State: TN

Complaint narrative:
On XX/XX/2023 I filed a CFPB compliant on National Recovery Agency complaint number XXXX due to this company not being licensed as a debt collector in my state. I received a response back from XXXX XXXX the compliance agent for NRA Group LLC. He stated that his company was indeed licensed to collect debt in my state and gave a license number of XXXX and stated they were doing business in my state as XXXX XXXX. Upon searching nmlsconsumeraccess.org XXXX XXXX XXXX has a NMLS number of XXXX and NRA Group LLC has a NMLS number of XXXX. Neither of which has a debt collectors license to collect in my state. The XXXX XXXX XXXX XXXX also has a NMLS number of XXXX and also doesnt have debt collectors license in my state. See attachments. Futher more upon searching my states Secretary Of State website for business entities authorized to do business in my state neither XXXX XXXX or NRA Group LLC are active entities allowed to do any business in my state. This is a clear violation of the FCRA and FDCPA as this company is engaging in false and deceptive practices to try to persuade me into believing that I owe a debt to them and furnishing my credit reports with invalidated inaccurate accounts. I have sent this company a validation letter from them to validate this alleged debt that they say I owe to them. See attachments. I have tried to handle this matter with this company on several occasions. My Attorney General and the XXXX  have now been made aware of this situation.

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 2023-05-05 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: WA

Complaint narrative:
There are inquiries on my credit report that is not mines I didnt authorize it I have over 20 hard inquiries really is that even realistic a normal smart person knows if you apply for credit and get denied there is no reason to continue applying that just make you look desperate and in need so why in earth would I have over 20 credit inquiries I'm working on fixing all the errors on my credit report so I can be financially right in the years ahead and I cant do it with all these inquiries that is affecting me from getting funding even with my XXXX credit score

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 2023-05-05 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau 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 item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-05-05 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-05-05 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated or deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Paramount Recovery Systems, LP. located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX sent me a bill for {$740.00} on XX/XX/23 and they won't give me any indications of what it is for. I requested them to give me more info and they won't. I can't confirm this is a legit charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I lost my debit card on XX/XX/26. I called capital one once I noticed amount of un regonized charges to dispute them in 24 hours they not only denied my disputes. Once I submitted the police report they then closed my account no one has reached out to me as stated in previous complaints. Now the account is overdrawn and my XXXX is stuck in savings and over XXXX in my money lost because capital one wants to give me an extermely hard time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a complaint regarding TransUnion 's verification process for the disputes on my credit file. I am a consumer who has been taking steps to improve my credit score, and I have made a number of disputes with TransUnion regarding inaccuracies on my credit report. 

Unfortunately, I have found that TransUnion 's verification process has been inconsistent and unreliable. Despite providing documentation and evidence to support my disputes, TransUnion has verified the inaccurate information on my credit report time and time again. 

This has had a serious negative impact on my credit score, as well as my ability to obtain credit and personal guarantee my business. I believe that TransUnion 's verification process is not in line with Metro 2 base standards, and I have concerns about the accuracy and reliability of their credit reporting practices. 

I would like the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that TransUnion is held accountable for complying with the Metro 2 base standards. I also request that any inaccuracies on my credit report be thoroughly investigated and corrected in a timely manner. 

Thank you for your attention to this matter.

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 2023-05-05 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: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$500.00}

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 2023-05-05 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: CA

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated 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 are fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: AL

Complaint narrative:
A collection was put on my credit report for {$810.00} from Enhanced Recovery Collections for XXXX XXXX. Ive never had an account with XXXX nor do I owe them this amount. Also, I called XXXX to see what was the reason for the charge. Since XXXX is owned by XXXX. They claim it was for an old bill of {$660.00} from XXXX XXXX, when I lived in XXXX XXXX. However, I dont remember owing them this amount and Ive never received any correspondence from XXXX XXXX XXXX XXXX XXXX XXXX Enhanced Recovery Collection in regards to this delinquent debt. Furthermore, it would be an old debt with XXXX that exceeds the statute of limitations in Alabama. Ive lived in XXXX since, XX/XX/XXXX and this was just put on my credit report on XX/XX/XXXX. Ive never received any correspondence from this company in regards to this debt the entire time. This is totally an unfair process in trying to collect a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: WA

Complaint narrative:
There are inquiries on my credit report that is not mines I didnt authorize it I have over 20 hard inquiries really is that even realistic a normal smart person knows if you apply for credit and get denied there is no reason to continue applying that just make you look desperate and in need so why in earth would I have over 20 credit inquiries I'm working on fixing all the errors on my credit report so I can be financially right in the years ahead and I cant do it with all these inquiries that is affecting me from getting funding even with my XXXX credit score

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 2023-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
I am having issues with TitleMax I have been charge excessive fees and when I make the payment due it's ate up in fees. I was give a opportunity to borrow on my loan and that option is gone. I feel that I would never get loan paid off with all the fees. I feel like I paid more than I owe already because of fees and 1 month was almost close to not making a payment and was told that need to make the payment or my vehicle will be repossessed. Most recent I have had some flexibility but not always.

Company response to consumer: Closed with explanation