vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: CA

Complaint narrative:
I have asked them to show proof of being 30 days late. I have not been late and have made all payments. I have asked them multiple times and they refuse to show proof and refuse to removd

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 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MA

Complaint narrative:
My name is XXXX XXXX ; I am filling this complaint against two companies below : XXXX XXXX  XXXX XXXX Balance : {$18000.00} Address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX Phone number : ( XXXX ) XXXX Reported : XX/XX/XXXX Discover Balance : {$14000.00} Address : XXXX XXXX XXXX XXXX, DE XXXX Phone Number : ( XXXX ) XXXX Reported : XX/XX/XXXX My reason for this complaint is to ask for these companies to remove their charge or reports off my credit. These two companies have been on my credit report for a charge that had nothing to do with me. I was shocked myself to see the charges on my report. These charges were as a result of credit fraud activity and have been harassing me with letters and phone calls for something I did not do. These companies have added much stress into my life and I have taking the precaution of securing my credit and identity. I have since added a fraud alert on my credit report per XXXX XXXX as of XX/XX/XXXX, to prevent anymore of this type of activity. I have filed the following : Dispute letters on XX/XX/XXXX Investigated Disrupts to bureau on XX/XX/XXXX Direct disputes and validation to Discover and XXXX XXXX on XX/XX/XXXX Round 2 of dispute letters on XX/XX/XXXX Furthermore, I noticed a Texas address on my file that I did not recognize nor ever lived at upon creating an account with XXXX, which shows and proves the fraudulent activity that I had no idea about. The false address was : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I recently applied for a new line of credit on XX/XX/XXXX, and got denied. This was my 4th denial with this company ( XXXX  XXXX XXXX ). I also got denied for limit increase with my current credit companies XXXX and XXXX. This is hindering me from additional line of credit to progress my life forward. I deserve to have the opportunity to obtain new line of credit and progress my life forward and these two companies are not allowing me to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that CREDIT ACCEPTANCE CORPORATION is reporting late payments tarnishing my consumer credit report when the car was already paid for.

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 2021-11-06 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: CO

Complaint narrative:
According to the FCRA that you are suppose to be in compliance with states that pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( ii ) the communication of that information among persons related by common ownership or affiliated by corporate control should be excluded from my consumer report. I believe these accounts should be removed from my consumer report according to the FCRA. you are in violating the law by reporting accounts that should be excluded from my consumer report. All accounts associated with US DEPT ED or DEPTEDXXXX be removed from my consumer report immediately.

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 2021-11-06 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: NV

Complaint narrative:
I have a medical collection from XXXX XXXX XXXX being reported to Equifax that should not be there. 

I have contacted XXXX XXXX XXXX and Equifax on XXXX / XXXX / XXXX and have yet to have them respond. 

This collection has been removed from XXXX as they know they were illegally reporting this information. 

" Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any Medical Office for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is two-fold and as follows : Validation of Debt and HIPAA authorization : - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Their failure to comply is a direct violation of my rights under the FCRA and FDCPA. 

This illegal collection has and continues to hold me back from being able to utilize my credit and is causing major distress to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: TX

Complaint narrative:
STAFFORD GROUP ASSOCIA is reporting an account in the amount of {$2300.00} on my consumer credit report. I do Not know this company. I have NEVER done business with this company. I have never signed a contract with this company for anything. I have NEVER given permission to anyone verbally or in writing to pass my information to this 3rd party company.

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 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was applying for a loan through XXXX XXXX and I received a text message the next day saying I was approve for a {$7000.00} loan. The text message said it was from XXXX XXXX wit an a approve number and a number of XXXX telling me i would have an intertest rate of 9 % & what my monthly payment would be of {$220.00}. So I call the number and they said I need to verify my information, they told me my name ask for my ssi number and checking account information than they ask for my banking login information and thats when i realizes something was not right. I ask them why do they need my bank login information they reply to make sure this is my account and to see my deposits I told them why are we not calling the bank or you sending it through a website that does that. he when on to say because that is how we do there verification so I old him no i am not giving him that because I have been scam like that before and he told me I could look them up. I told him no and hang up the phone. but they had my checking account information and ss number. I call my bank and told them what happen so they frozen my account so nothing comes out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The addresses that are listed do not belong to me and I have never worked for the following employers. 

Addresses : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 2. XXXX XXXX XXXX XXXX, TN XXXX 3. XXXX XXXX XXXX XXXX, TN XXXX 4. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 6. XXXX XXXX XXXX XXXX, TN XXXX 7. XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: AZ

Complaint narrative:
Experian is placing a fraudulent account on my Experian report. XXXX and XXXX have already removed it months ago. Everytime I try to contact Experian, they ignore my request. In fact, I contacted the XXXX  to file a complaint and they have failed to respond to them as well. I also filed a complaint with the attorney general in Arizona because they are being negligent and harming my score.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and while applying for a remote at home position a back ground check was ran. On the report in XXXX it stated I had 2 XXXX  that had a disposition in XXXX it is now XXXX and on my rights the law states that the information can not be dated back more than 7 years yet they have included it in my report which will inevitably call for termination l. I messaged the company and didnt recieve a reply and I dont know what else I can do

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 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I had rented items from this store/ loan company. I returned the merchandise and they still put it on my credit saying I owe over XXXX $ I was told even though I returned merchandise I still had to pay for it. I believe that is against the law. How would pay for something that I don't have. I would like this removed from they system and my credit. I logged in there account and still showing I owe over XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
I Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 




XXXX - XX/XX/2021 XXXX  - XX/XX/2021 XXXX-XXXX  - XX/XX/2021 XXXX  - XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act all information must report accurate. Concerning my XXXX XXXX  account my current balance and credit usage % is not reporting accurate by Experian. On XX/XX/2021 my balance was reported {$75.00} and credit usage 8 %. Experian is now reporting XX/XX/2021 balance XXXX and usage 101 %. I am requesting immediate balance and usage update. My credit score is not reporting accurate because of this inaccuracy.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
I Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021

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 2021-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have a loan with COLLEGE FOUN. For some reason, I realized that there were 120 and 150 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$6700.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5800.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5000.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5500.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
I have a medical collection from Hospital Collection Services being reported to XXXX that should not be there. 

I have contacted Hospital Collection Services and XXXX on XX/XX/2021 / XX/XX/2021 / XX/XX/2021 and have yet to have them respond. 

This collection has been removed from XXXX as they know they were illegally reporting this information. 

" Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any Medical Office for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is two-fold and as follows : Validation of Debt and HIPAA authorization : - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Their failure to comply is a direct violation of my rights under the FCRA and FDCPA. 

This illegal collection has and continues to hold me back from being able to utilize my credit and is causing major distress to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
I Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX. 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 2021-11-06 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: CO

Complaint narrative:
According to the FCRA that you are suppose to be in compliance with states that pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( ii ) the communication of that information among persons related by common ownership or affiliated by corporate control should be excluded from my consumer report. I believe these accounts should be removed from my consumer report according to the FCRA. you are in violating the law by reporting accounts that should be excluded from my consumer report. All alleged accounts associated with XXXX XXXX be removed from my consumer report immediately.

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 2021-11-06 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: CO

Complaint narrative:
According to the FCRA that you are suppose to be in compliance with states that pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( ii ) the communication of that information among persons related by common ownership or affiliated by corporate control should be excluded from my consumer report. I believe these accounts should be removed from my consumer report according to the FCRA. you are in violating the law by reporting accounts that should be excluded from my consumer report. All alleged accounts associated with XXXX XXXX be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Conn's, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the Credit Bureaus response about the written requests I sent regarding CONNS. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for Capital One quicksilver credit card 1 month ago ( through the link my friends share with me. On that website, it said very clearly -- - New Cardmember Offer : Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 

However, I have spent like $ XXXX in the first month and still didn't get this {$200.00} bonus. I have reached out to the credit card team of Capital One. They just respond with " Oh, it looks like your credit card doesn't show sign-on bonus sorry. Our back-end expert said you are not qualified with this bonus. '' I'm curious about why it states on the application website very clearly but how they have the right to refuse to pay this welcome offer. I want a reason why I can not get the bonus ( I have a very good credit history ) but they can not provide any reason/excuse for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
rmp llc account number XXXX this has been a torture to me and my credit, i know the .law and this is also illegal this is not my debt please delete this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: FL

Complaint narrative:
I SEND CARMAX AUTO FINANCE A RESCISSION OF SIGNATURES ON XX/XX/2021 WHICH IT WAS RECEIVED ON XX/XX/2021 FROM THAT DATE THE COMPANY CARMAX AUTO FINANCE HAD 20 DAYS FROM IN WHICH THEY RECEIVED MY RECISSION OF SIGNATURES DOCUMENT AS STATED IN 12 CFR 226.23 ( D ) ( 1 ) ( 2 ) & I WAS SUPPOSED TO GET BACK MY VEHICLE I NEVER RECEIVED MY VEHICLE & THE COMPANY SOLD MY VEHICLE IN WHICH CFR 1006.22 ( e ) ( 1 ) ( 2 ) ( 3 ) ( e ) Nonjudicial action regarding property. A debt collector must not take or threaten to take any nonjudicial action to effect dispossession or disablement of property if : ( 1 ) There is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( 2 ) There is no present intention to take possession of the property; or ( 3 ) The property is exempt by law from such dispossession or disablement.

Company response to consumer: Closed with explanation