vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I observed an unknown and unauthorize transaction on my Capital One card ending for {$60.00}. The transaction took place at on XXXX at XXXX at " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX XXXX Fl XXXX. As soon as I became aware of the issue, I contracted Captial One. I also stopped by the store where the purchase was made and talked to the store owner. I discovered the store was not even open for customers during the time the charge was made, and the store owner had no receipts for the charge in question and I was able to view the store surveillance video for XX/XX/22 and XX/XX/22 and there was no transaction made by me and no receipts found for a {$60.00} transaction. The store owner even looked at the video surveillance and reported it directly to Captial One with my approval, the conversation was recorded by a Captial One Rep and they still would not provide me with a permanent credit for the charge that is in dispute. I also obtained a police report of the incident because I did make or authorize this transaction. I'm requesting a full credit of {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX has again illegally and unlawfully and maliciously reported an inaccuracy on my credit file with XXXX. You can see from the attached report screenshot that XXXX is Maliciously reporting a payment THAT WAS NEVER PAID in XX/XX/2022, This is a Closed account and payments are not being made to this 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 2022-09-10 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: DISCOVER BANK
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Discover Bank : Account number XXXX Credit Account XXXX XXXX : Account number XXXX XXXX Account XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Account XXXX XXXX : Account number XXXX Credit Account Please block this 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. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * 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 four business days and to promptly notify the furnishers of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: MI

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

15 U.S.C 1681 Section 602 A. State 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. 

15 U.S.C 1692 Section 806 Section 5. States- Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692b Section 5. States- not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692b Section 2. States- ( 2 ) not state that such consumer owes any debt 15 U.S.C 1692 Section 805 Section A. States ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 Section 805 Section C. States ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX Bank : Account number XXXX Credit Account XXXX XXXX  : Account number XXXX XXXX Account XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Account XXXX XXXX  : Account number XXXX Credit Account Please block this 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. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * 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 four business days and to promptly notify the furnishers of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXXXXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX Account number XXXX Credit Account XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Credit Account Please block this 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. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * 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 four business days and to promptly notify the furnishers of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My xwife has remodified my loan, and manufactured XXXX XXXX XXXX  stating I was on XXXX XXXX... .I 've never been in the military, and NOBODY seems to care about this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
File a dispute with Experian which DID NOT investigate this and left it unchanged. This account is the result of identity theft and Experian is refusing to correct it. XXXX XXXX deleted it from other credit bureaus. 
I initiated the dispute on XX/XX/XXXX, and by XX/XX/XXXX their " investigation '' was done. However, you can see by the dates below, which show on my credit report, that no investigation took place and the account was last updated on XX/XX/2022. 

Account info : XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$1.00}, 334 past due as of XX/XX/2022. 
Status updated : XX/XX/2022 Balance : {$1300.00} Balance updated : XX/XX/2022 Recent payment : XXXX XXXX Monthly payment : {$0.00} Original balance : {$1300.00} Highest balance : {$0.00} XXXX Months On record until : XX/XX/2022 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 2022-09-10 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
File a dispute with XXXX which DID NOT investigate this and left it unchanged. This account is the result of identity theft and XXXX is refusing to correct it. Phoenix Financial deleted it from other credit bureaus. 
I initiated the dispute on XX/XX/XXXX, and by XX/XX/XXXX their " investigation '' was done. However, you can see by the dates below, which show on my credit report, that no investigation took place and the account was last updated on XX/XX/2022. 

Account info : PHOENIX FINANCIAL SERVIC Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$1.00}, 334 past due as of XX/XX/2022. 
Status updated : XX/XX/2022 Balance : {$1300.00} Balance updated : XX/XX/2022 Recent payment XXXX XXXX XXXX Monthly payment : {$0.00} Original balance : {$1300.00} Highest balance : {$0.00} XXXX Months On record until : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: IN

Complaint narrative:
on XXXX i submitted complaint with the CFPB regarding inaccurate information on my credit report, all 3 bureaus investigated and results were deemed verified and accurate information, I'm including a XXXX ( before ) and an XXXX ( After ) credit report that clearly shows that all companies are still reporting inaccurately on my credit report which is causing major damages to my credit score. Ranging from : 1. Different account names 2. Status 3. Opened Date 4. High Balance 5. Balance 6. Count of late payments 7. Date reported 8. Amount past due 9. Condition 10. Creditor contact

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
on XXXX i submitted complaint with the CFPB regarding inaccurate information on my credit report, all XXXX bureaus investigated and results were deemed verified and accurate information, I'm including a XXXX ( before ) and an XXXX ( After ) credit report that clearly shows that all companies are still reporting inaccurately on my credit report which is causing major damages to my credit score. Ranging from : 1. Different account names 2. Status 3. Opened Date 4. High Balance 5. Balance 6. Count of late payments 7. Date reported 8. Amount past due 9. Condition 10. Creditor contact

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I have been having issues using my Experian account to review my 3 credit bureaus. I pay a fee monthly for the service. Every time I try to refresh my information, I get the message it is unable to verify information with XXXX because it may have different 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 explanation
Consumer complaint received 2022-09-10 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: MI

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

15 U.S.C 1681 Section 602 A. State 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.

15 U.S.C 1692 Section 806 Section 5. States- Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 U.S.C 1692b Section 5. States- not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692b Section 2. States- ( 2 ) not state that such consumer owes any debt 15 U.S.C 1692 Section 805 Section A. States ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 Section 805 Section C. States ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication

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 2022-09-10 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: MI

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

15 U.S.C 1681 Section 602 A. State 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.

15 U.S.C 1692 Section 806 Section 5. States- Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 U.S.C 1692b Section 5. States- not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692b Section 2. States- ( 2 ) not state that such consumer owes any debt 15 U.S.C 1692 Section 805 Section A. States ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 Section 805 Section C. States ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I paid {$5000.00} on my HOme Depot consumer card on XX/XX/XXXX in which the funds were released immediately. I tried to purchase a refrigerator on XX/XX/XXXX but was declined because XXXX did not post the payment and instead was going to hold it until the XXXX. If I would not have called and inquired about the balance and why it does not reflect the correct information they wouldve reported to the the credit bureaus a false balance thus jeopardizing my credit score and history. When I spoke to three different CSR no one could explain why I had to call back in and tell them to post the money they held for the last 8 days. Why would they subject me to this bias and unfair credit treatment by holding my funds that was released immediately and eventually reporting bad information to the credit bureau? What type of protection as a consumer do I have from this fraudulent practice?

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I've been getting pre-approval letters from credit Karma for years now & when I submit the pre-approval I still get denied & it give me a hit on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC. I have the right to privacy and I did not give equifax permission to furnish these accounts. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I applied for a credit card with XXXX XXXX XXXX XXXX and was turned down i believe for information that is False. XXXX  company stated that my Equifax credit report shows Serious delinquency and my length of time with credit is too short. Please see the below attachments. Moreover, my credit score is XXXX. Please reconsider your decision based on my information provided. I attached information showing that i have nothing in collections and I have XXXX  years worth of credit! Equifax is reporting False information. This dispute is with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: AXOS FINANCIAL, INC.
State: IN

Complaint narrative:
Hello. I have been trying to contact anyone and everything for help. ( Axos Bank ) I am in DIRE need of my title for my vehicle. I moved from Florida to Indiana and I am TRYING to register my car in Indiana. My Florida tags expired XX/XX/XXXX and my LAST indiana 30 day temporary registration expires XX/XX/XXXX. After that date, my car will be illegal to drive. I have been trying to obtain my title from you and Florida since the beginning on XXXX and nothing. I NEED it desperately. I have children who need to be driven around and for school. How is this not able to be done. Please help! When I call Axos Bank, they have no record of asking Florida for the title. I have messaged and they said they sent out a request XX/XX/XXXX for my electronic title from Florida, and nothing, What am I to do? This is literally out of my hands. I need my title!

Company response to consumer: Closed with explanation