vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX ACCT # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have 2 random 30 day late payments from Kohls but i never received a bill. Not sure if they sent it to the wrong address and auto payment isn't an option. They only call me after the payment is missed and then I pay right away but 2 times they put late payments on my credit. It should not be on there because it was not my fault since i didn't know that it was due. Can you please help me get it removed? I have tried disputing it with the bureaus but not had success. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
Americas Car-Mart at the XXXX  locations are selling cars without titles, not filing registration title paperwork and forging signatures to complete the work. They had a compliance team scrambling to complete title work. They were forging signatures to complete everything they couldnt get completed. This is known to be done at the XXXX lot as well. They are also signing customers up for tax payments without customers knowing to keep payments low and refinancing the loan when it comes due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received a notification on my credit report about a collections account in XXXX of 2023, while the collection agency says the account is from XXXX 2023, but have received zero notification of the account or the ability to dispute. I have previously disputed this account on my credit report and successfully have had it deleted, only for another agency to come in and bring back the same account with zero notification. I have a current account with XXXX XXXX XXXX that is paid in full and on-time for years, have said multiple times I do not know where this account comes from, received zero notifications, and have successfully disputed this debt multiple times. At this point this is harassment by both the collections company and XXXX XXXX XXXX. I will at this point pending what happens hear cease my relationship with XXXX XXXX XXXX for my cellular service if this doesn't stop as I'm free and clear of any contract obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-05-31 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: Zions Debt Holdings
State: TN

Complaint narrative:
A report was filed with the credit bureau that I owed over {$1800.00}, which I do not. 
I looked up and called Zions Debt holdings File number XXXX in XXXX Utah XXXX 

The lady on the phone asked if the last 4 of my SS number were .... and she was correct. I did not supply the information. She said she could see that i did not owe any money to XXXX. I demanded it be removed and the credit score reversed. I do not know if this will happen. 

If you read EVERY SINGLE review, including with the XXXX states  the same thing, the company appears to have old acount info from home security companies and reporting volumes of debt to the credit bureau that do not exist. 
How and WHY are you allowing a bogus company to negativey affect so many innocent people???? 
They should be BANNED from being able to report anything against consumers. please investigate and stop this government sanctioned fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX ACCT # 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 non-monetary relief
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX ACCT # 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 2023-05-31 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX ACCT # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX  account number ending in XXXX, has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2023-05-31 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: Synovus Bank
State: NC

Complaint narrative:
First Progess was sent a letter of dispute via XXXX on XX/XX/2023. 
After review of my credit reports, First Progress has not marked any account as disputed as required by the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
During the purchase of a home I was initially quoted in writing from the loan officer ( XXXX XXXX ) at DHI a loan estimate which has changed several times now. Each time the numbers changed and did not make sense to me. I consulted with the Mortgage processor XXXX, who is the person in charge of my file and is responsible for gathering all the final documents for the underwriters review. I asked her if she could perhaps explain the substantially large increase on my file in XXXX 's absence as XXXX told me I can go to XXXX while she is out of the office for any questions. XXXX also was confused about the increase on the loan estimate dated XX/XX/2023. The only extra charge she understood and was able to explain was an extra {$500.00} dollars that I am being charged extra because the property I am trying to purchase appraised lower than expected and I have to pay the difference. XXXX said she would let XXXX 's boss XXXX XXXX XXXX know about the situation and she would get back to me regarding all other extra charges. When I spoke with XXXX and I questioned an additional {$8800.00} XXXX payment charge appearing on my loan estimate she could not give me an answer and said she would have to get back with me. I then asked for help from my realtor XXXX, he and I asked to speak with the Loan officer manageXXXX ( XXXX ) once again and while on a conference call on XX/XX/2023 she admitted that her loan officer ( XXXX XXXX ) had made several mistakes on my loan estimate. These mistakes include Property taxes errors for improved land versus unimproved land. This large sum difference was added to my down payment line item. When I asked XXXX about the additional XXXX she said this was a glitch in their system. I asked her why if she knew about the glitch, why it was not fixed and she could not answer. She seemed puzzled with my question. At this point I felt that I am deliberately being confused by this Representative. It feels like a bait and switch scheme when she talks about the numbers. I am now extremely concerned because I was expecting to close on the home on XX/XX/2023 and with that in mind I paid down payments on movers and made many arrangements to move. All of this insecurity has me very nervous and can cause me to lose a lot of money as I am purchasing this new home to accommodate my XXXX mom that lives with me and as I explained to the loan officer originally I need this home as it is handicap accessible and it will help me assist my moms deeds. As you can imagine the lack of transparency in this process is very concerning to me and I am reaching out for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In the previous CFPB complaints : XXXX, XXXX & XXXX XXXX. American Express failed to address the question WHY I only can redeem the points to gift card not other ways. What part in Term and Condition states such limitation? the escalation and concern I want to bring through this request is that i don't agree with American Express 's policy that I can ONLY redeem the points to gift card. I should have the ability to redeem the points with other options ( for example transfer the point to partner airline ). I want to raise this issue, as there is nowhere in the Term and Condition mentioning the limitation of only being able to redeem via gift card. Hence, the American Express 's policy is unjustifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Company is trying to collect on debt I do not owe. I never signed up for this services. Please provide a signed contract with my name where this exact service is stated or remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: OR

Complaint narrative:
On or before XX/XX/2023, I contacted XXXX XXXX XXXX and cancelled my auto insurance due to the price being raised to {$710.00} a month on my renewal date XX/XX/2023. 
My auto insurance was {$230.00} a month. 
XX/XX/2023 Direct Withdrawal, XXXX XXXX XXXX XXXX XXXX - {$230.00} XX/XX/2023 Direct Withdrawal, XXXX XXXX XXXX XXXX XXXX - {$710.00} XXXX XXXX XXXX deducted {$710.00} anyway even though I had a new policy that was paid. I didn't give my authorization for the {$710.00} charge. I actually cancelled my policy because it was increased to {$710.00} a month. 
I contacted XXXX and they said I would be refunded but I wasn't refunded the entire amount. XXXX insurance was saying it was for the month of XXXX but insurance was charged in advance. I contacted the bank & XXXX twice but both are refusing to refund the unauthorized payment taken from my bank account. 


XX/XX/2023 Direct Withdrawal, XXXX XXXX XXXX XXXX XXXX XXXX Auto Deduct - {$1700.00} New auto insurance above XXXX month policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a XXXX XXXX credit card for XXXX XXXX purchases. I usually order online and pick up at the store. On one occassion I made a purchase in the store where they know me and was told, " You're still using this card? We now have a credit card you can use for out of store purchases. '' So I applied in the store and they said I would receive the card in the mail. 

I realized later that I keep a freeze on my account and that they would not be able to access my credit so I lifted the freeze and called XXXX XXXX XXXX credit company who told me that they would have to cancel the card I had before I could even apply for the new card that was a visa card. That concerned me and I asked, " what if I don't get the new card? Then I won't have credit with XXXX XXXX and I need it for pet supplies. '' The guy said that I would probably get the new card. I told him never mind. What I realize now is that he had already done an inquiry on my credit without my authorization and now I don't have the new card but there is a inquiry from XXXX XXXX on with the credit bureaus that I did not authorize. I would like their inquiry removed. 

I am attaching a copy of their inquiry on my credit report and a letter they sent me stating they could not give me the new card because I can't have two cards with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: ID

Complaint narrative:
I reviewed my consumer report and noticed that I had two late payments on an account that I was never late for. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I've asked them several times to validate this information. 

I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: TN

Complaint narrative:
I reached out to the credit bureaus and have explained to them numerous of times that I am a victim of identity theft. I supposed to have a fraud protection on my account but someone is still trying to use my Information and has gotten credit cards and revolving credit in my name. I never opened a XXXX  account on XXXX XXXX  or XXXX XXXX, I never opened a self account on XXXX XXXX, I never went to the hospital on XXXX XXXX or XXXX XXXX. I have health insurance that pays for my bills. I also did not authorized these inquires : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX ACCT # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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:
To XXXX EQUIFAX XXXX : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.

Company response to consumer: Closed with non-monetary relief