vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account number 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 an 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 non-monetary relief
Consumer complaint received 2022-12-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account number 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Capio Partners, LLC
State: OH

Complaint narrative:
I have two collections on my credit report from a company called Capio Partners. I have received NO communication from them in regards to these bills. I disputed with XXXX and my dispute was denied because Capio siad it is legit, even though I have never received documents from them. The name of the collection agency does not even show up as Capio, it shows up as a law office. I have had the same phone number for 12 years and I have lived in my home for 4 years. After doing investigating on my own I discovered these two bills were from a facility I visited 2 years ago. The facility was sending the bills to the wrong address and due to THEIR error these two accounts were not placed on our payment plan we've had with them for over a year. We were sent to collections with another company and disputed because we thought we were on a payment plan with XXXX XXXX XXXX believe that company was called Asset Care. And per their supervisor department their rep XXXX did not follow procedure and this account was removed from my credit while an ivestigation was done. We received documentation in XXXX that this was still being investigated. We never heard from Asset Care again. I have never received a document, an email, a phone call or anything from Capio. My wife had an issue with them several years back for doing the exact same thing and filed a complaint. I stay on top of my credit and if I have something due I pay it. But if you don't contact me to tell me I have an outstanding balance what am I supposed to do. After reading several other complaints it seems this is the way this company operates. Why does my credit report say this is in collections with an attorney, but the actual company is Capio? This is unfair and had dropped my credit score by XXXX points!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 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: LEXISNEXIS
State: NC

Complaint narrative:
This company, which never received any sort of consent from me, is using my credit card and reporting/selling my personal non-public financial information to no benefit to me. In fact, they are hindering my access to open accounts and maintain my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have attempted to make sense of the amount allegedly still owed to PNC Bank on my vehicle purchase agreement, which among other things, has led me to believe they and/or the other party involved have committed fraud in factum. PNC has denied me the right to refinance my agreement rate ( XXXX ) which would greatly help reduce the amount I pay out over the course of this alleged agreement. I would have been able to make a better more informed decision if I had the upfront, clear and concise information that I would not be able to refinance after a certain period of time had passed and/or mileage was added to this automobile that I purchased. I also did not in fact receive an auto loan according to the law, as the amount for the vehicle that I purchased was paid out directly to XXXX XXXX XXXX XXXX here in North Carolina ( the other party involved ), so they are the ones who in fact received an auto loan, by lawful definition. Attempts at refinancing as well as hardship requests have been denied ; the maximum number of requests a consumer is allowed is three according to one of the PNC Bank representatives I spoke with concerning this matter; again, something else I was not made aware of prior to signing this agreement. Last but not least, PNC nor XXXX XXXX of XXXX made me aware of my rights to rescinds this contract nor my right to opt out of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/ I financed a car through Capital One, at the XXXXXXXX XXXX XXXX in XXXX where I was prequalified for an auto loan with Capital One. I allowed XXXX to know that I was prequalified with Capital One and that I didn't want any other companies to run my credit. Firstly, I received hard inquiries from companies I did not authorize. Secondly, the purchase price of the car was {$14000.00}. I put a down payment of {$1800.00} ( which is illegal pursuant to 15 USC 1605 ) which brought the purchase price down to {$12000.00}. XXXX XXXX attached erroneous fees that brought the Total due to {$16000.00}. I exited the dealership with my vehicle believing my total financed was {$16000.00}. I looked in my Capital One app at the amount financed, and saw an amount of {$19000.00}. I realised that this was a fraudulent loan. XXXX stole {$3000.00} more on top of the other close to {$2000.00} of erroneous charges. The total of the whole pay off on the loan is {$30000.00}, which is a ridiculous amount for a {$12000.00} car. I requested to see the contract between myself and Capital One, and Capital One refused to provide me with a copy of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: NJ

Complaint narrative:
Under the consumer law my credit was not treated right. My XXXX XXXX XXXX  account in accordance with the fair credit reporting act. Has violated my rights. Under 15 usc 1681 sect 8602. I have the right to privacy. Also under 15 usc 1681 sect 604, consumer reporting agencies can not furnish an 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 non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I had a starting balance of {$210.00}. There were 4 transactions posted on XX/XX/XXXX. 1st transaction {$170.00} credit ( bal {$390.00} ) - online transfer from personal savings, 2nd transaction {$150.00} debit ( bal {$240.00} ) - online transfer to my personal checking, 3rd transaction {$240.00} debit ( bal {$2.00} ) - XXXX transfer to another institution, and the 4th transaction {$10.00} direct pay service fee ( bal XXXX ). The {$10.00} is a fee the bank charges for using their direct deposit services. That fee was put on the account during the banks overnight processing so I was unaware that the fee would be charged on that day until I received an insufficient funds notice. Im filings complaint because the notice says that when I made my XXXX transaction there wasnt enough money in the account. They charged me {$35.00} for my XXXX transfer. I called and spoke with customer service and I filled an internal complaint with their small business customer advocacy support team. 

Wells Fargo does not charge overdraft fees for the item that actually overdrew your account. They charge fees on ANY transaction that Post to your account during an overdraft.

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 2022-12-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have mailed and submitted my identify report several times and the items are still on my credit report. I need them removed per the attached report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account US DEPARTMENT OF EDU ( Original Creditor : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: MD

Complaint narrative:
Good afternoon, I would like this account XXXXXXXX XXXX # XXXX to be removed/deleted Equifax responded to my dispute and did not remove the account although it is reporting inaccurately. Below are the following inaccuracies/violations They did not add the required notice of dispute, I disputed this account back on XX/XX/2022 and the notice of dispute should have been reported within 30 days.I pulled my credit report on XX/XX/XXXX and the notice has not been reported which is reason for termination alone The Date of last activity is not congruent for XXXX, XXXX and Equifax High balance is not congruent for XXXX, XXXX and Equifax Date of last verified is not congruent for XXXX, XXXX and Equifax Monthly payment - there should not be a monthly payment on a closed account screen shots of these inaccuracies are located below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone fraudulently opens a credit card in my name with capital one for XXXX $ The account was charged off and sent into collections without me being notified and also was reported on my credit profile even after I wasnt notified I placed a dispute even called the creditors told me nothing they can do about it nd it was bought by a debt collector. 

The credit buereus and creditors have to all follow the laws which they didnt they violated These codes/ laws and therefore this needs to be removed off of my report secotion 604- 15 U.S. code 1681 B Secotion 605 A -15 U.S. code 1681 C-1 Section 605 B - 15 U.S. code 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: NC

Complaint narrative:
Equifax not only continues to report false and misleading information about me on my credit file, but also when I attempted to have the items corrected, I was told that they do not even have a credit file for me. This is false, misleading and is an unlawful violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have mailed and submitted my identify report several times and the items are still on my credit report. I need them removed per the attached report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account DEPTEDXXXX XXXX XXXXXXXX, XXXX DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX account name XXXX XXXXXXXX XXXX XXXXXXXX account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX added a collection to my account for a service I never received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
My SSN was hacked or accessed in fall of 2022. Multiple credit cards were attempted to be opened ( most credit card companies called/thought it was fraud so I was able to stop it ). Even though these actions were done, an account from XXXX XXXX XXXX for an amount of {$1400.00} was added to my credit report, from a debt collector, Credence Resource Management. I filled out the identity theft packet that Credence sent me to file it as theft, and talked to them on the phone ( today XX/XX/2022 ) and they said XXXX XXXX XXXX communicated back to them stating it was invalid and that I owe the {$1400.00}. Credence now said they will resend the same packet for me to fill out to start the process over. I have not heard anything directly from XXXX XXXX XXXX besides confirmation emails that they received my theft application. I DID NOT open this account and am trying to take all measure to close it and show that it was fraud. I want to get this account deleted off of my credit report ASAP and any help would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A Bank of America account was opened in my name XX/XX/2022 but it wasnt me. The bank said they couldnt help me. I dont and never had an Bank of America account

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 2022-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVER BANK contacting me in regards to an account that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: VA

Complaint narrative:
Equifax is reporting different amount of accounts than XXXX and XXXX. 

They have failed to help with reporting XXXX XXXXXXXX XXXX as an open account. XXXX has fixed this with no problems. They are claiming no data was given the past 3 months and that it was recently reported closed which it is not. Company also has refused to remove multiple hard inquiries placed in an abusive manner on my report XXXX XXXXXXXX XXXX has not reported for the month of XXXX & account should have XXXX $ balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account DEPTEDXXXX XXXX  XXXX, US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) account # XXXX, XXXX, XXXX, XXXX account name XXXXXXXX XXXX XXXX XXXXXXXX account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
I repeteadly use mobile deposit for my payroll checks. The last deposit check as placed on a hold after the check was accepted so the app didnt give me the opportunity to cancel the deposit so I could go to the issuing bank to cash my payroll check. After many calls the bank was unable to give me the specific hold reason, and claimed that in the last three weeks they changed their rules for deposits and thats why even though this is the same transaction I do every three weeks the check was placed on the maximum hold time allowed of 5 days. I went to the issuing bank and they gave me receipt that the issuing bank has already funded the transaction. But still after three business days of the deposit XXXX  % of my deposit has become available. I called the bank again and they said that the full amount will be available at the XXXX business day which is XX/XX/2022. I tried to reason with them that this is the same employer and same transaction Ive been making for about 5-6 months that there is no reason to place a hold ( never specified type of hold even though I asked ) But they still claim change of rules. I requested to be given a copy of the letter, email or notification of this change of rule and they said no such notification was provided to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They are refusing to remove fraud alerts 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 non-monetary relief
Consumer complaint received 2022-12-09 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Never apply for any credit card for tha place the 2018 I was living in different Address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Alorica Inc.
State: PA

Complaint narrative:
When I applied for a Home Equity Loan, an issue of a delinquent loan showed up on my credit report. I did not borrow the {$3000.00}. I have never heard of XXXXXXXX SST or XXXX XXXXXXXX XXXX  until it showed up as a delinquent account on my credit report. 

It showed up recently and not when the loan was originated so it is probably a problem with the reporting rather than the initial loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Incorrect information and account from XXXX XXXX. I have never done any type of business with them for {$2600.00} to be reporting as a collection to this company. I have no knowledge of this account. Validation of debt requested on XX/XX/XXXX and request for delete also submitted on XX/XX/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