vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: MS

Complaint narrative:
Dispute : Texas Attorney General Office # XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX. 

The account identified with the Texas Attorney General Office # XXXX shows I currently owed {$51000.00}. That amount is grossly inaccurate because I had consecutively paid the payee since XX/XX/XXXX, and the Texas Attorney Generals Office has proven fully satisfied and released the debt. 

The date of XX/XX/XXXX, the first delinquency on my report, is inaccurate and should have never been reported as delinquent on the consumer report. All three credit reporting agencies have continued to report inaccurate credit information mentioned in this letter.

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 2022-09-07 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act - XXXX XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy .15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written Consent

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 2022-09-07 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act - XXXX XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy .15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written Consent

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 2022-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX : XXXX XXXXXXXX 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 XXXXS XXXX XXXX XXXX DETAILS : TO WHOM IT MAY CONCERN, MY VEHICLE LOAN IS WITH XXXXXXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE XXXX XXXX TO SHOP MY CREDIT WITH XXXX XXXX, XXXXXXXX XXXX, OR CAPITAL ONE AUTO FINANCE. THIS IS MERELY HOW THEY DO BUSINESS BUT WITHOUT MY CONSENT.

SECONDLY, I DID NOT AUTHORIZE XXXX  OR XXXX XXXX  TO RUN MY CREDIT REPORT. I SIMPLY SPOKE TO LENDERS ABOUT MY OPTIONS TO BUY MY FIRST HOME. 

PLEASE CONTACT ME FOR ANY FURTHER INFORMATION THAT IS NEEDED FROM ME. THANKS FOR THE TIME AND HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XACTUS XXXXXXXX XACTUS XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XACTUS-AVANTUS XXXXXXXX XACTUS-CP XXXX DETAILS : TO WHOM IT MAY CONCERN, MY VEHICLE LOAN IS WITH XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE XXXX XXXX TO SHOP MY CREDIT WITH XXXX XXXX, XXXXXXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX THIS IS MERELY HOW THEY DO BUSINESS BUT WITHOUT MY CONSENT. 
SECONDLY, I DID NOT AUTHORIZE XACTUS OR XXXX XXXX  TO RUN MY CREDIT REPORT. I SIMPLY SPOKE TO LENDERS ABOUT MY OPTIONS TO BUY MY FIRST HOME. 

PLEASE CONTACT ME FOR ANY FURTHER INFORMATION THAT IS NEEDED FROM ME. THANKS FOR THE TIME AND HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Cease and desist ANY and ALL claims you claim you have on me under15 U.S.C. 1692cc and 15U.S.C.1692 e { XXXX } cease communications of ALL collection and debt information that you have, to any body or company other than my self by mail only this is an official notices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TN

Complaint narrative:
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received.

Recent delenquency was reason for denial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: AES/PHEAA
State: VA

Complaint narrative:
As of XX/XX/2022, I no longer have any student loan accounts with FedLoan Servicing. The balance should be reporting as -0- on my credit report. Their information is as follows : FEDLOAN SERVICING XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Delinquent Account : Credit Acceptance Corporation ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) Inquiries : XXXX XXXXXXXX ( XX/XX/2022 ) ( XX/XX/2022 )

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This account was open without my permission account ending XXXX Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: FL

Complaint narrative:
inquires I didn't not authorized. 

XXXX XXXX XXXX  XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
The information reported by TD AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX Is not accurate I have never had an account with them. They reported to XXXX a delinquent account on my credit and verified it as accurate when I disputed it through XXXX no documentation was provided to me as proof and I can not reach anyone when I try calling them Phone # ( XXXX ) I need help getting this misinformation off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The account was paid off in full. The account was overpaid by {$960.00}. Ally bank refuses to refund the overpayment.

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 2022-09-07 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-07 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX steal XXXX from my checking with Ally bank unauthorized Ally allowed without authorization Ally overdraft my account over 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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital One notified me by email on XX/XX/2022 that my new XXXX checking account had been opened. I did not open an account, and I do not do business with Capital One. 

I called Capital One XX/XX/2022 and was connected with their fraud department. They said that they would close the account. I asked for the date that the account had been opened so that I could file a police report. They told me that I had to file a police report first and call them back with the number before they could give me any information about the account. On XX/XX/2022 I received a Capital One debit card in the mail for this account. 

They have not closed the account and keep sending me emails telling me to make a deposit. 
I did not authorize Capital One to open a checking account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
As of XX/XX/2022, I no longer have any student loan accounts with XXXX XXXX. The balance should be reporting as -0- on my credit report. Their information is as follows : XXXX XXXX XXXX 6XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.

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 2022-09-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
As of XX/XX/2022, I no longer have any student loan accounts with XXXX XXXX. The balance should be reporting as XXXX on my credit report. Their information is as follows : XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: VA

Complaint narrative:
As of XX/XX/2022, I no longer have any student loan accounts with XXXX XXXX. The balance should be reporting as -0- on my credit report. Their information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.

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 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Date Assigned XX/XX/2018 Account Number open Portfolio Recovery Original Amount Owed {$1000.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: CA

Complaint narrative:
Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  was violated my rights. 15 usc 1681 section 602a states I have the right to privacy. 15 usc 1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written 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 explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: KY

Complaint narrative:
Credit Karma said that I was pre-approved for a credit card, which, after I applied, was denied as I didn't qualify. The resulting hard check on my credit history hurt my score, and of course, the application process wasted my time, as I was not in truth pre-approved.

Company response to consumer: Closed with explanation