vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In trying to convert my credit card reward points to an external transfer partner, I'm being asked to go through a 2-step mobile authentication process. It asked for my cell phone number to send a verification code and then tells me my phone number is not on file ( it is ) and can not be used for verification. When I call CapitalOne customer service they say it's a know issue and they are working to resolve but they have no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent in my drivers license and a bill with my address on it and told them to remove the names and addresses off my report because I never lived there and that it was fraud which I have a fraud alert on my files with all credit reporting agencys and they have not removed any of them the names that was supposed to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that was supposed to be removed are XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX Single family XXXXXXXX XXXX XXXX XXXXXXXX FL, XXXX Address ID XXXX XXXXXXXX XXXX XXXX  Never lived at any of these addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent in my drivers license and a bill with my address on it and told them to remove the names and addresses off my report because I never lived there and that it was fraud which I have a fraud alert on my files with all credit reporting agencys and they have not removed any of them the names that was supposed to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that was supposed to be removed are XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX FL, XXXX Address ID XXXX XXXXXXXX XXXX XXXX Never lived at any of these addresses

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have inquiries on my credit report I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have inquiries on my credit report I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Never applied for these credit cards XXXX milestone on XX/XX/23. Feb destiny on XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is in reference to a dismissed bankruptcy on my credit profile after many months of submitting paperwork the above item is still be report as verified, I have sent them the credit file letter from their data provider stating that they have deleted the item from their records. I have provide information from the court as well. They have refused to obey my rights and refused to obey the law of the Land in the fair credit reporting act. I am submitting this last request to have this item removed or I will submit this to my lawyer for civil lawsuit. It is not possible for them to keep sending vague responses such as We have reviewed your concerns and our conclusions are A dismissed XXXX XXXXXXXX XXXX remains on the credit file for 7 years. Their is no mention of process they listed the source of XXXX XXXX XXXX. It is clear that this is a willful act of deception because the data provider has the item deleted from their system it was removed in XXXX I have sent their new version of the resolution letter to Equifax on XX/XX/2023 their response was dated XX/XX/2023 with the answer. above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have accounts on my credit report. 

XXXX. XXXX XXXX {$180.00} XXXXXXXX XXXX XXXX XXXX {$210.00} XXXX. XXXX XXXX XXXX {$350.00}

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
companies pulled my credit without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
companies pulled my credit without my permission.

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 2023-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SCS Credit Corporation
State: IN

Complaint narrative:
The car was a lemon in now they trying to say I owe XXXX when they came in got the car in sold it it was to much work needed to be done on the car in I tired getting fix mechanic said was in no reason because the car was old just get this let it go back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have inquiries on my credit report. 

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

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have inquiries on my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX joined in a bankruptcy XXXX for adverse actions against a person under bankruptcy XXXX protection filed with Experian credit which shows discharged debt and reported assets violations withheld property awarded and protected to XXXX XXXX XXXX. Reporting it as cleared in XXXX bankruptcy XXXX discharge but the agencies continue illegal actions against XXXX XXXX XXXX which paid a fee and caused damages to credit by listing it twice 11 USC 562 the second notice was to Division of Child Support XXXX but they continue to falsely report. XXXX XXXX XXXX was CP under protection of a stay with an Injunction and XXXX XXXX XXXX told lawyer a transfer of assets was prohibited. 11 USC 562 under bankruptcy laws it's considered fraud. Exhibit Reply to combined email from XXXX XXXX XXXX  copy Exhibit XXXX to exhibit XXXX XXXX XXXX summary judgement XXXX XXXX XXXX XXXX XXXX XXXX. Bankruptcy XXXX, Bankruptcy XXXX XXXX XXXX. Letter from United States Department of Labor XX/XX/XXXX XXXX Experian credit report XXXX XXXX XXXX is seeking relief of over {>= $1,000,000}. at {$2000.00} a day for Contempt of Adversary Proceeding Actions XXXXXXXX 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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've obtained a copy of my consumer credit report from the three major credit bureaus to check the information reporting to ensure it was accurate according to USC title 15 1681i ( 5 ). 

I've waited 30 days to receive the investigation results which everything was still on reporting exactly the same on my credit report as the previous month. The credit reporting agencies XXXX, XXXX, and TransUnion did not modify and/or remove any items on my credit report. 

The primary information being reported incorrectly are the payment histories on my XXXX XXXX XXXX, XXXX XXXX, and XXXX accounts. 

This is a violation of the Fair Credit Reporting Act which is harming me from obtaining funding to further my 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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've obtained a copy of my consumer credit report from the three major credit bureaus to check the information reporting to ensure it was accurate according to USC title 15 1681i ( 5 ). 

I've waited 30 days to receive the investigation results which everything was still on reporting exactly the same on my credit report as the previous month. The credit reporting agencies XXXX, Equifax, and XXXX did not modify and/or remove any items on my credit report. 

The primary information being reported incorrectly are the payment histories on my XXXX XXXX XXXX, XXXX XXXX, and XXXX accounts. 

This is a violation of the Fair Credit Reporting Act which is harming me from obtaining funding to further my XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
please delete unauthorized inquiry XXXX XXXX XXXX (Bank)
XXXX XXXX 2023

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not applied for any services or products with the mentioned company on the specified date, and I did not provide consent for this inquiry. As such,

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not applied for any services or products with the mentioned company on the specified date, and I did not provide consent for this inquiry. As such,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXXXXXX XXXX was charging me finance fees on an account that had a {$0.00} balance. 

We didn't use the card so we never looked at the account, this continued for 3 months, and then they assessed us a late fee, and reported the account to the credit bureau 's I spoke to them and they realized that the charge was in error, and they reversed the charges, However they have not updated my credit report to remove said late payment notification. I have reached out on multiple occasions, but they have not taken 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 2023-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The lender repeatedly denied that payments had been received, although bank records indicated otherwise. Lender also also wrongly claimed that vehicle in question was not insured, and added additional amounts to loan for insurance, notwithstanding the fact that said vehicle in question was at all times insured by XXXX. Lender further created other false addendums for the purpose of increasing the balanced owed and then repeatedly hounded this consumer regarding surrendering such vehicle for repossession.Lender also required this consumer to submit bank records for proof of payments. However, after consumer realized that the lender did NOT have/maintain payment records, inasmuch as the same had likely been mismanaged, this consumer decided to surrender the vehicle in question for fear that lender would continue its mismanagement of payment records, which would continue to cause gross excessive payments.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXXXXXX XXXX XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXX, XXXX XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent in my drivers license and a bill with my address on it and told them to remove the names and addresses off my report because I never lived there and that it was fraud which I have a fraud alert on my files with all credit reporting agencys and they have not removed any of them the names that was supposed to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that was supposed to be removed are XXXX XXXX XXXX XXXX XXXX, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Address ID XXXX XXXX Single family Never lived at any of these addresses

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 2023-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Duvera Billing Services, LLC
State: NC

Complaint narrative:
In XXXX of XXXX I took a loan out with XXXX XXXX for vehicle repair services. The agreement was for {$120.00} every two weeks. The card information was updated, and they charged the wrong card by accident. I received a call from XXXX XXXX  and missed it. I called back and spoke with an agent. She stated we were in a recorded line, and it was an attempt to collect a debt. I told her about the updated card info and stated the payment could be processed. I next asked about XXXX XXXX  no longer conducting business in NC due to unfair and deceptive business practices. XXXX XXXX charged my account four different times during a 30-day period. I committed to pay every two weeks. My card was charged {$120.00} on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Once the deceptive practices were brought up, the representative became belligerent and extremely rude. She started cursing and stated regardless, you us the money and we will collect from you. We will debt your account as we please and all you can do is pay. Next she hung up on me. I tried calling back to speak with a supervisor. I got the run around from XXXX. XXXX asked me to hold. The first time I called back I was on hold for 45 mins, then I was hung up on. The second time I called back I was on hold 60 mins and then hung up on. I called back a third time and was placed on hold. I have not been able to call and get another representative on the phone to speak about the overcharges to my card. I have been harassed and overcharged by XXXX XXXX XXXX XXXX  was upset that I mentioned they are no longer allowed to conduct business in NC due to unfair and deceptive business practices and should not have given me a loan in XX/XX/XXXX. XXXX XXXX was ordered to stop operating business in several states and should have not accepted my application in XX/XX/XXXX. Now XXXX XXXX  has started taking money from my account unscheduled and refusing to connect me with a supervisor to discuss the issues I'm experiencing with their services and representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Venmo suspended my account about 4 months ago and they held onto {$730.00} of my funds for lost prevention purposes I guess. About a week ago they send me an email saying that those funds that were held are now available for me to transfer into my bank account, however they didnt make it so that I could link a bank account or card. Ive reached out several times and was told that they had to escalate this issue to a specialist and to wait 5-7 days. Only for A specialist to email me a robotic response saying that my account is suspended for good and the funds will be held up to 180 days and I will be contacted when its available for me to transfer, which makes no sense because I already waited and I already received the email saying my held funds is now available. They keep making me go in circles, how can I transfer my funds if they wont let me link any of my accounts. Why do I keep having to wait 7 more days for? Please let me have my funds already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Bankruptcy XXXX XXXX is inaccurate information in i filed XXXX XXXX bankruptcy and everything still on my credit that I put on XXXX XXXX

Company response to consumer: Closed with explanation