vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 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: TX

Complaint narrative:
Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. XXXXThe unauthorized hard inquiries I am disputing are as follows : [  XXXX  XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX XXXX - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met. 
As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section XXXX of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter. 
Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing. 
I appreciate your attention to this matter and expect a timely resolution in accordance with the FCRA and other applicable consumer protection laws. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: TX

Complaint narrative:
I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.

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 2023-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
Over the past couple weeks I have been trying to get an auto loan. However almost every single bank has turned me down without even a counteroffer, just a denial. I have no idea why this is because my credit score is not awful its like a XXXX and I dont owe anyone any money so my DTI and my credit usage are both 0 %. So there is no reason for me to not be able to get an auto loan, Ive never had any issues up until I returned a car to XXXX XXXX XXXX where Im convinced they have put something on a portion of my credit that I am unable to see but the banks can and thats why Im getting denied like I am. I have bought over 15 cars since Ive been driving and Ive done no money down with worse credit and gotten approved but now I dont wan na do money down but I just get denied over and over, even from places that have approved me before with no or little money down and it didnt start until I dealt with XXXX XXXX XXXX XXXX This is causing me serious financial issues because I can not work without a car, and Ive tried every type of car and dealership and even the dealerships are confused as to why the banks arent countering with a down payment amount or different terms or something but they arent. Something is not right and I want it fixed. Ally continues to deny me based off of one late payment on my auto loan with then even though it was their representatives fault because he put my account info in wrong and then the payment bounced and they never called me or even returned the payment until after my grace period was over and they reported me as late. Had they let me know something was wrong or returned the payment I wouldve fixed it but I had them read my the account info used for said payment and it was incorrect meaning their rep heard me wrong or didnt hear me or check themselves to ensure it was correct but Im suffering for his negligence.

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 2023-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX do not belong to me. My name is XXXX XXXX XXXX XXXX : {$3400.00} Interest : {$1100.00} Total due : {$4600.00} Date assigned : Enclosed- not sure what this means Dates of alleged invoices : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX Request to validate debt : XX/XX/XXXX - never taken off credit report after disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I am very protective of my identity as I noticed this collection was added to my credit reporting with all three bureaus. First you guys are falsely reporting information that does not belong to me. You have a different name that does not belong to me. An address attached to that collection does not belong to me. This must be removed immediately before I have to take legal actions against you guys for false accusations. I have researched and reached out to the original company, XXXX, and they have no records of me ever having service with them thats associated with my social security number. You guys cant be threatening people with information that you assume can be theirs. You cant pick and choose who the collections belong too. This account was also falsely open without my permission and my social security number was never used for my identity protection. If you can not prove that this is me, remove this account immediately or I will have to service the next step into legal actions.

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 2023-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: WV

Complaint narrative:
Over the past couple weeks I have been trying to get an auto loan. However almost every single bank has turned me down without even a counteroffer, just a denial. I have no idea why this is because my credit score is not awful its like a XXXX and I dont owe anyone any money so my DTI and my credit usage are both 0 %. So there is no reason for me to not be able to get an auto loan, Ive never had any issues up until I returned a car to XXXX XXXX XXXX where Im convinced they have put something on a portion of my credit that I am unable to see but the banks can and thats why Im getting denied like I am. I have bought over 15 cars since Ive been driving and Ive done no money down with worse credit and gotten approved but now I dont wan na do money down but I just get denied over and over, even from places that have approved me before with no or little money down and it didnt start until I dealt with XXXX XXXX XXXX XXXX This is causing me serious financial issues because I can not work without a car, and Ive tried every type of car and dealership and even the dealerships are confused as to why the banks arent countering with a down payment amount or different terms or something but they arent. Something is not right and I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I submitted a dispute for LOCKHART , MORRIS & MONT located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with a XXXX and XXXX XXXX. They informed me that XXXX XXXX XXXX bought this account from XXXX XXXX XXXX and the parent company XXXX XXXX handed this over to Lockhart , Morris & Mont. I asked about this alleged debt first and got no where with XXXX. XXXX was also adamant about sharing information although he told me on a recording line that he could access a detailed statement for my alleged medical visit in XXXX. I have never visited a hospital by the name of XXXXXXXX XXXX XXXX. I even called my local hospital to ask them on XX/XX/2023 and they knew nothing about this. 

I am asking that this company provide the proper documentation to provide validity of this alleged debt. I am asking that they provide original documentation that supports I owe debt to Lockhart , Morris & mont located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would also like to see the bill of sale and documentation where I have given consent for this company and XXXX of family companies to access any information on my person. This is a direct violation of HIPPA in regards to protecting my medical and personal health information. This also violates my consumer rights to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULENT TO MY CREDIT REPORT. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULENT TO MY CREDIT REPORT. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-08-05 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence resource management listed a debt collection of {$450.00} on my credit report. I had never been contacted by them by either mail or phone, I did not know I owed anything to them. They also have my name wrong. I called them yesterday requesting verification of the debt that I apparently owed XXXX ( now owned by XXXX ), I have never had a XXXX XXXX credence representative refused to send me proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2023 I received a credit report from Experian and I noticed incorrect inaccurate, unverified information being displayed. Plus unconsented, third-party information sharing.

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 2023-08-05 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: OH

Complaint narrative:
I sent a second certified dispute to Equifax, XXXX, and XXXX on XXXX regarding an unverified account on my credit report. XXXX XXXX XXXX is on my credit report the credit reporting agencies claimed was verified. I did a direct dispute with the creditor as advised by Equifax only for the mail to be returned. This also is a medical debt that is below {$500.00} and under the Medical Debt Rule, it should not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: OK

Complaint narrative:
Due to Covid 19, was not able to pay rent in the apartments I lived in with my daughter and granddaughter and we moved before we were kicked out and then all XXXX  of us were notified of the dept on our credit reports, said dept is over XXXX dollars and the collection agency that bought the dept illegally put Said dept on all three of our credit reports so instead of a XXXX dept they are trying to get XXXX, how is this legal and it's because of a disaster covid, can you help me and my daughter and granddaughter and have them remove this dept from our credit reports and prosecute them legally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
after carefully reviewing my credit report I have found discrepancies and inaccuracies that raise doubts about the validity of this debt I have reported the inaccuracies of this debt yet still the debt remains on my credit report, and neither have they provided me with the original contract requested.

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 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/23, I was instructed by Kohls to call Capital One about them transferring my Kohls card to a Capital One Kohls Visa card. The person on the phone said I did not have a credit card with Kohls, but they showed I had a checking and savings account. When I explained I didnt recall ever having accounts with Capital One I was transferred to customer service. Then the customer service person transferred me to the Customer Protection Center. The Customer Protection Center would not provide me any information on the account. They only told me it was closed and because I stated I didnt believe I authorized the account they were unable to share information on the account with me. How can I verify if I did or did not open the account without more information. Before I file an ID Theft affidavit I wanted to make sure this wasnt an account of a family member that I might have been a POD on. Capital One refused to provide me any information and told me I would need to file a police report. How can I file a police report if I dont know anything about the accounts that were opened in my name. It is my understanding that Capital One has to provide me records of fraudulent transactions if I request them. They refused

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: NC

Complaint narrative:
After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under ASSETCARE and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am the XXXX  and have several Capital One Checking and Savings accounts. I have XXXX children ranging from XXXX who I am educating in banking techniques. I started with a child savings account 2-3 years ago with the now XXXX XXXX XXXX and then my XXXX XXXX XXXX last year. I noticed recently that while the interest rate in my savings accounts escalated to over 5 % from XXXX. The children 's savings accounts remained at 0.3 % interest. In speaking with Capital One, they advised that that was just how their products worked. The representative also advised that I could create a 360 Performance Savings Account and have my child as the secondary. I made that change and now have found out that the my child can not " transact '' against that account, such as transfer funds, etc I have made two calls to Capital One support from XXXX through XXXX regarding this issue.. 

Therefore - my complaint is unfair interest earning practices against minors and minor focused products

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank reduced my Available Credit Limit from {$12000.00} to {$4000.00} although I have current low utilization, pay on time and been a good standing customer for years. I made a payment for {$8100.00} on XX/XX/2023 resulting in a XXXX balance. Then they reduce by balance by {$8000.00}, it's abuse of power and taking advantage of customers after they pay their bills and handle the credit facility properly. By reducing my available credit limit it immediately has negative impacts to my credit score ; my utilization, for Citi Card, now significantly increased from less than 15 % to now more than 50 % directly attributed to Citi reducing my credit limit by more than {$8000.00}. These credit card companies receive your payments, then just decrease for credit limit, without any reason or justification, which then has an immediate negative impact on your credit score directly attributed to increased utilization directly created by the credit card company decreasing for limit and not increased outstanding balance. These credit card companies abuse their financial power and just cut credit limits without any justification which then has immediate negative impacts to the customer without. Pure abuse of power and financial leverage

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