vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 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: MI

Complaint narrative:
XX/XX/XXXX - XXXX submitted this information - Our records show on XX/XX/XXXX, an electronic credit correction was sent to the credit bureau ( s ) requesting them to update the XX/XX/XXXX reporting of the XX/XX/XXXX payment to a status D-No Reporting. Please note it may take up to 90 days for third party credit companies to reflect the update. Our Credit Department has reviewed your credit reporting, confirmed the correction was completed and advised all other reporting is accurate. 

I filed a dispute directly with Transunion on XX/XX/XXXX and received an update on XX/XX/XXXX still stating incorrect information. 

I filed a second dispute with Transunion on XX/XX/XXXX and received an update on XX/XX/XXXX still stating incorrect information. 

I called Transunion on XX/XX/XXXX at XXXX XXXX talking to XXXX and he stated that the dispute would be fixed immediately. I pulled a new credit report on XX/XX/XXXX around XXXX pm and the report still stated incorrect information. I called Transunion back on XX/XX/XXXX at XXXX speaking to another customer service representative and she said I had to file another new dispute since the documents I submitted in XX/XX/XXXX were not accepted. She could not provide any reason why Transunion could not accept these documents and said I need to file another dispute. 

I called Transunion on XX/XX/XXXX at XXXX am and XXXX and both times I was hung up on by supervisors. XXXX transferred me to XXXX on the Special Handling team and on the second call XXXX transferred me to another person on the Special Handling Team who also hung up on me. 

I really just want this issue resolved and it is a simple data entry error.

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 2022-07-27 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: CO

Complaint narrative:
I ordered a free credit report through the FTC on XX/XX/22 for Experian, XXXX, and XXXX. I was only able to get a report through XXXX and I noticed there was a XXXX XXXX XXXX  account on my report that did not belong to me. I filed a dispute with XXXX, but I was unable to with Experian and XXXX as I was not able to receive a report in the first place from either company. I just want to ensure that this XXXX XXXX XXXX account, which does not belong to me, does not show up on any of my credit reports.

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 2022-07-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX with XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Updated/New Information to previous claim On XX/XX/22 Capital One Auto Finance responded to a letter I sent to them regarding my auto loan. In there response they indicated they indicated that they did not do anything wrong nor did they not violate my consumer rights. On XX/XX/22 I send a cease and desist letter detailing the following violations they committed against me the consumer. 
15 USC 1662b a cash payment can not be mixed with a consumer credit transaction 15 USC 1605 violated TILA ( Truth In Lending Act ) by not including all fees in the finance charge such as auto insurance. All fees should be included in the sum of all charges. This violation makes the contract fraudulent. Capital One nor the dealership never disclosed this information which is another violation. 15 USC 11 states the criminal and civil liability for willful failure to disclose this information is a XXXX penalty and imprisonment for up to 1 year. Capital One also stated that I owe a debt to them in the amount of XXXX. 18 USC Code 8 states that all debts public and private are already paid for. When I signed the contract and it was submitted the loan was already paid for. This is another violation of my consumer rights. Next Capital One Capital One violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ). They assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 15 USC 1681b ( a ) ( 2 ) states that you may furnish a consumer report if written instructions were given by the consumer. This is a violation of my rights as I never gave Capital One permission to obtain, release, or report any information to any third parties which includes consumer reporting agencies. Capital One committed identity theft under 15 USC 1681c2 by taking my private transaction between myself and Capital One and furnishing it to a consumer reporting agency without my permission. According to 15 USC 1692a Capital One has been engaging in abusive practices and deceptive forms. I have outlined in my letter the violations that Capital One has committed and the remedy that I am seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: CO

Complaint narrative:
I ordered a free credit report through the FTC on XX/XX/22 for XXXX, XXXX, and Equifax. I was only able to get a report through XXXX and I noticed there was a XXXX XXXX XXXX account on my report that did not belong to me. I filed a dispute with XXXX, but I was unable to with XXXX and Equifax as I was not able to receive a report in the first place from either company. I just want to ensure that this XXXX XXXX XXXX XXXX which does not belong to me, does not show up on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
On XX/XX/2022 my attorney 's office submitted complaint number XXXX on my behalf with a concern about missing payments. My lender responded by stating they will not answer to a third party and gave no indication of where my payments went. I am now filing on my own behalf to get an answer. My lender is not being transparent and I believe is not following Fair Debt Collection Practices, The Truth in Lending Act or the Coronavirus Aid, Recovery and Economic Stability act. I am asking the CFPB to locate my payments and help me get credit for payments made. Also, in their response they gave a phone number to get more information. I called and spoke to XXXX who refused to give any identification and told me to send another email to XXXX. I have already sent an email and received an automated message that I was not in their email list and could not send the email Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
Ive made multiple attempts and multiple times not receive any assistance by multiple associates including supervisors at local branch and customer service number. Not happy or with service received from my local branch where my account is located. ( The XXXX location ) The branch has giving me a hard time about my inquiries regarding my account and has been extremely rude, dismissive and not willing to assist me with my concern on multiple occasions. I spend several hours reaching out for assistance and continue to be transferred from one person to another to another over and over again and no result. I have a Daily interest loan with high interest rate. I am well aware of. My concern is Ive noticed my payment these past few month as been going more towards interest and less towards principal. Ive had this account for some time and made all payments as scheduled and never missed a payment. Over time with this account I should see more of the payment applied toward principal and less toward interest. That is not the case. At this point I feel I am being robbed and this account is not correct. Please look in to this matter and assistance me as soon as possible. I will look to escalate this matter to executive office. I hope to hear back from someone regarding this urgent matter. I do not want to speak with anyone from my local branch. 

I am completely dissatisfied with service Ive received up to this point and dont wish to do any further business with this OneMain financial and would not recommend or refer any to do so themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
A lease was improperly opened in my name in 2017. I was not notified of ownership or liability to this lease until several months after the lease 's beginning date. I did not accept the validity of the debt, but as an extremely XXXX XXXXXXXX XXXX the severe pressure to fulfill the invalid debt motivated me to take steps to " mitigate damages ''. It is Pennsylvania law that, when certain conditions are met, tenants may allow a subletter to take over the lease to mitigate damages. I met those conditions and furnished a subletter ; however, the original account opener refused to share with me the address associated with the lease, and therefore acted unlawfully. After working with a lawyer and threatening to sue via defamation of character, the original account opener immediately offered a settlement, which I refused. My lawyer advised me that I was but one of countless students that fell victim to the original account openers ' coercion schemes. The original account openers were unable to furnish original documents due to a change in employment of the person responsible for their management. As a result, the lawsuit was not taken further and the debt has remained invalidly on my report for several years, hampering my ability to secure housing and credit. The original account opener 's history of fraudulent and coercive tactics, their inability to furnish sufficient orginal documents, their refusal to accept lawful mitigation of damages, and their refusal to share with me the address associated with the lease amply demonstrates that the debt is invalid and should be removed from my reports immediately. Consider reviewing testimonials of former tenants as validation that the original account opener consistently engages in fraudulent, coercive, or explicitly illegal activity : XXXX : XXXX # rXXXX  XXXX XXXX  : XXXX # XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Haven't been able to login to my new CitiBank account for 2 months. XXXX XXXX notice XX/XX/XXXX that my account was frozen due to fraud and to call a number. Called the number XX/XX/XXXX and was instructed to verify a few things, including my phone number. They said my phone number was unverified and I was not able to verify my identity as a result, however they'd be in touch within 48 hours to get it fixed. Never heard back. Still unable to log into account, and my credit card bill is due, which CitiBank keeps emailing me about. Called CitiBank on XX/XX/XXXX to try and verify again, but the rep ended up hanging up on me when she realized she couldn't help me access my account due to my phone number not being verified. 

At this point I just want to pay my credit card bill and close my account, and it's impossible. The rep told me I'd just have to call back and try again, but that I'd get the same results. I'm concerned my credit will be affected. 

To top it all off, the reps were so incredibly rude and unhelpful and callous towards people whose money is unaccessible in CitiBank for no reason. They are clearly based in XXXX XXXX and have a clear script they must follow. They have no problem hanging up on you. I have no faith this will get fixed in any way but 3rd party intervention.

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 2022-07-27 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-07-27 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Account was frozen and couldn't access money. Customer service said to have money transferred to other account in order to have access to my money. I created another account to transfer money into per customer service. Transfer was completed by then account was frozen just like the first acct. Now both accounts frozen. 
Provided all information requested several times to resolve the issue. Was told 7-5 buisness days inwould here from specialist to resolve the freeze. I have not received follow up and my money is frozen i. The second acct. This is all the loney I have. 
First account is now $ XXXX and acct frozen. I can not pay as long as my money is f oz n in the second account and explained this time and time again. The acct was supposed to be.unfrozen to allow me to transfer money from the second acct nack to the first acct which will cover the $ XXXX and unfreeze that account for my use. Once transfer completed they would then clise the second acct. I did everything they asked from me so that the specialist could work with me on correcting the accts and close my ticket. No one is following up, nothing has been fixed and they are holding my money.since XX/XX/22 and nothing I could do to get access. They kept me.on hold for XXXX hours, XXXX hours 3 times and hung up each time. Supervisor and specialist hung up phone calls once. This is unethical buisness practice. Inadvised verbal and written that this is very urgent as i can not make ut day to day withall thw money i have frozen in the acct. This has cause so many issues and stress that now im reaching out for someone to help me communicate with them and get this resolved because i do t onow what more to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: FL

Complaint narrative:
On XX/XX/2022 I disputed negative inaccurate information on my consumer report and the items were not removed and I did not receive a proper response with in 30 days I am attaching the previously sent letters and the most recent letters as a final follow up. I have also enclosed information regarding accounts that should not be on my consumer report as well. I have also labeled the violations found by this company to my consumer report. 

This company is in violation of the following codes pursuant to Title 15 USC Chapter 41 as stated by congress : 15 USC 1681e ( b ) reporting 100 % Accuracy ( XXXX : XXXX ) 15 USC 1681 ( a ) ( 4 ) Right to privacy ( XXXX  : XXXX ) 15 USC 1681b ( 2 ) Permissible purpose ( XXXX  : XXXX ) 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions of Transactions or Experiences XXXX XXXX XXXX I have attached my dispute letters and request immediate removal. 

I do not consent to e-Oscar or any means of automated system for verifying my disputes. 

I request the cfpb to enforce the laws violated pursuant to congress.

Company response to consumer: Closed with explanation