vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: PA

Complaint narrative:
AssetCare LLC Accounts opened in the amounts of : {$800.00}. 

This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. It's has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: NJ

Complaint narrative:
Hello, I have a XXXX XXXX loan that was taken out in my name several years ago that I believe falls under the XXXX XXXX XXXX  class action settlement. The amount of the loan was for {$50000.00}. I have requested documents showing my signature and I somehow got access to their portal, but the documents do not show my signature and this loan was not taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Date of purchase on Macy 's website : XXXX, XXXX 2024 Amount of dispute : {$1000.00} I purchase skin care from Macy 's website using Macy 's benefit card ( only use on Macy 's ). I didn't receive my skin care, and I called Macy 's request for resend my stuff, but they rejected my request. So I called Macy 's card tried to dispute the charge. After 1 billing cycle they closed my dispute.

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 2024-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: CO

Complaint narrative:
I have called multiple times yesterday XX/XX/2024. We refinanced my mortgage with a new lender on XX/XX/2024 and I did the closing XX/XX/2024. We was told I would be reciving a refund of {$3500.00} from XXXX XXXX XXXX XXXX from my escrow account. On XX/XX/2024 I only recieved a check of {$340.00} I called them to see why we received a check of {$340.00} a supervisor told me that {$900.00} were paid to XXXX XXXX tax ( I called the county and verified and they did recieve that payment ) so I told the supervisor where is the rest of {$2600.00} she said {$1800.00} went to FHA or HUD, and that {$200.00} was paid to mortgage insurance in XXXX ( which I no longer had a loan with village capital in XXXX ) I called FHA and HUD and were told that they do not receive and refunds from the escrow accounts. I called again today XX/XX/2024 and they keep making stories up. I want to know where my money from my escrow account. At the end the representative provided me with a break down : Out of the {$3.00}, XXXX which {$900.00} went to the county so I was left with {$2600.00} and {$1800.00} went to HUD or FHA and plus {$200.00} went to morgage insurance was left with {$550.00}. We recieved a check of {$340.00} and on XXXX Village Capiatl paid XXXX to mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In accordance of the reporting act - ( Citibank ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX have violated my rights. 


The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( 15 U.S.

Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance of the reporting act - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Capital one, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights. 


The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( 15 U.S.

Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX.Each I pay for my closed account, XXXX XXXXXXXX report negative remark to credit bureas I never made the payment. 
XXXX.Each month I receive more than XXXX different minimum payment from XXXX  XXXX from the bank App, written letter the send to my address and credit reports. 
XXXX, on the XXXX credit bureas XXXX do not state exact minimum payment and actual payment I made. 
XXXX, XXXX  XXXX filled XXXX degoritory remarks on my credit file with only XXXX and transunion because XXXX had disputed and resolved after the gave inaccurate reports to XXXX I paid the extra {$10.00} after I had paid {$70.00} as NY minimum payment from bureas is less than {$70.00}. 
XXXX XXXX received a claim disputes from banks for the XX/XX/XXXX till XX/XX/XXXX they reported to credit bureas that I never paid, XXXX  XXXX refused to respond to my banks filed claim since XX/XX/XXXX but wrote the attached mail to me threatening me to ask my banks to write with their letter heading and state that payment was reversed in error before the remove XXXX negative remarks on my account. The also adjusted the account from {$1600.00} as reported on XXXX and others screenshot attached to {$1900.00}. 
XXXX, I had paid over {$1500.00} to this credit limit of {$2000.00} which was reported to credit burea as ended at {$2000.00} and on XXXX XXXXXXXX bank {$2000.00}. 
XXXX, XX/XX/XXXX XXXX XXXXXXXX add a hidden charge the tagged past due of {$29.00} and it was brought forward every month and I asked the bank to explain it but they refused. 
XXXX, my interest rose from XXXX % to XXXX % and capital one increases it every XXXXmonths. 
XXXXi got XXXX  XXXX mail at my mail box with minimum payment of {$120.00} for month of may and on the App minimum is {$190.00}, why on credit burea is {$57.00}. 
XXXX. XXXX on XXXX occasions turned credit education thrice services because I engaged them for transparency. 
XXXX. XXXX  XXXX did not report my first till XXXX payment to credit bureas till the first payment was made by credit education before the reported the first time in XXXX. 
Kindly find attached the proofs.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXEach I pay for my closed account, XXXX XXXX report negative remark to credit bureas I never made the payment. 
XXXX.Each month I receive more than XXXX different minimum payment from XXXX  XXXX from the bank App, written letter the send to my address and credit reports. 
XXXX, on the XXXX credit bureas capital do not state exact minimum payment and actual payment I made. 
XXXX, XXXX XXXXXXXX filled XXXX degoritory remarks on my credit file with only equifax and XXXX because XXXX had disputed and resolved after the gave inaccurate reports to XXXX I paid the extra {$10.00} after I had paid {$70.00} as NY minimum payment from bureas is less than {$70.00}. 
XXXXcapital one received a claim disputes from banks for the XX/XX/XXXX till XX/XX/XXXX they reported to credit bureas that I never paid, XXXX  XXXX refused to respond to my banks filed claim since XX/XX/XXXX but wrote the attached mail to me threatening me to ask my banks to write with their letter heading and state that payment was reversed in error before the remove XXXX negative remarks on my account. The also adjusted the account from {$1600.00} as reported on equifax and others screenshot attached to {$1900.00}. 
XXXX, I had paid over {$1500.00} to this credit limit of {$2000.00} which was reported to credit burea as ended at {$2000.00} and on XXXX  XXXX bank {$2000.00}. 
XXXX, XX/XX/XXXX XXXX XXXX add a hidden charge the tagged past due of {$29.00} and it was brought forward every month and I asked the bank to explain it but they refused. 
XXXX, my interest rose from XXXX  % to XXXX % and capital one increases it every XXXXmonths. 
XXXX.i got XXXX  XXXX mail at my mail box with minimum payment of {$120.00} for month of may and on the App minimum is {$190.00}, why on credit burea is {$57.00}. 
XXXX. XXXX  on XXXX occasions turned credit education thrice services because I engaged them for transparency. 
XXXX. XXXX  XXXX did not report my first till XXXX payment to credit bureas till the first payment was made by credit education before the reported the first time in XXXX. 
Kindly find attached the proofs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1.Each I pay for my closed account, XXXX  XXXX report negative remark to credit bureas I never made the payment. 
2.Each month I receive more than 4 different minimum payment from XXXX  XXXX from the bank App, written letter the send to my address and credit reports. 
3, on the three credit bureas capital do not state exact minimum payment and actual payment I made. 
XXXX, XXXX  XXXX filled XXXX degoritory remarks on my credit file with only XXXX and XXXX because experian had disputed and resolved after the gave inaccurate reports to experian I paid the extra {$10.00} after I had paid {$70.00} as NY minimum payment from XXXX is less than {$70.00}. 
XXXX XXXX received a claim disputes from banks for the XX/XX/XXXX till XX/XX/XXXX they reported to credit bureas that I never paid, XXXX  XXXX refused to respond to my banks filed claim since XX/XX/XXXX but wrote the attached mail to me threatening me to ask my banks to write with their letter heading and state that payment was reversed in error before the remove XXXX negative remarks on my account. The also adjusted the account from {$1600.00} as reported on XXXX and others screenshot attached to {$1900.00}. 
XXXX, I had paid over {$1500.00} to this credit limit of {$2000.00} which was reported to credit XXXX as ended at {$2000.00} and on XXXX  XXXX XXXX  {$2000.00}. 
XXXX, XX/XX/XXXXXXXX XXXX XXXXXXXX add a hidden charge the tagged past due of {$29.00} and it was brought forward every month and I asked the bank to explain it but they refused. 
XXXX, my interest XXXX from 28 % to 30.94 % and XXXX XXXX increases it every XXXX. 
XXXX.i got XXXX  XXXX mail at my mail box with minimum payment of {$120.00} for month of XXXX and on the App minimum is {$190.00}, why on credit burea is {$57.00}. 
XXXX. XXXX  on three occasions turned credit education XXXXXXXX  XXXX  because I engaged them for transparency. 
XXXX. XXXX  XXXX did not report my first till 3rd payment to credit bureas till the first payment was made by credit education before the reported the first time in XXXX. 
Kindly find attached the proofs.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I'm writing to request that my consumer report for XXXX and this month and my consumer file be sent to myemailaddress XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It's Experian, I've tried canceling my membership all day. It won't let me log into the website to cancel until I put in a credit card to charge my account and I tried the online customer service number and it won't let me cancel my membership or speak to an actual representative. It is literally impossible to cancel/change/update my account and have them quit trying to charge my card for a service I do not want. There is no way that's legal.

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 2024-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Autovest, L.L.C.
State: OK

Complaint narrative:
I have been paying on this collection for 4 years. I used to be allowed to pay online which also allowed me to watch the balance. They have pulled online access and failed to provide me access even after they have promised to restore that. Today they told me the account is so old they can't provide me with that information. I feel I should have access to see what is going on with the balance of this account. Especially since it was provided before. I have my suspicions the account isn't being managed and could be getting over charged and need your help. Thank you.

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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
On XXXX, XXXX, 2024 ( today ) I received an email from XXXX XXXX that there was a recent hard inquiry on my credit. When I logged in to check details, I see there was a hard inquiry from today, XX/XX/year> from XXXX ( Bank ). This is not me or anything I've applied to. I crossed referenced other credit bureaus and did not see it anywhere else. 

I first contacted XXXX XXXX who direct me to contact TransUnion who they use to file the claim of a fraudulent inquiry. Once that was filed, they directed me to file a claim here as well. Again, this is only showing on TransUnion and no other bureaus.

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