vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry 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 2023-12-06 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: TX

Complaint narrative:
On XXXX I submitted a FTC report with each inquiry I did not authorize. I disputed each of them with Equifax attached the ftc report as they advised me to. Equifax stated that all of them were factual after I followed there advice how to dispute they inquiries I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX  XXXX Removal XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Inquiry dateXXXX XXXX XXXXXXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXXXXXX Removal XXXX XXXX XXXX  XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal XXXX  XXXX XXXX XXXXXXXX Inquiry XXXX XXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXXXXXX Removal XXXX XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX, XXXX, Inquiry dateMar XXXX, XXXX Removal XXXX XXXX XXXX XXXX, XXXX, Inquiry dateDec XXXX, XXXX Removal XXXX XXXX XXXX XXXX  XXXX Inquiry dateMar XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX Removal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I refuse to pay this BULL CITY FINANCIAL. BCF is reporting XXXX accounts onto my consumer report. My rights under the Fair Debt Collection Practices Act ( FDCPA ) and HIPPA allow me to contest credit report inaccuracies. According to FDCPA, I can challenge false information, and HIPPA deems accessing, obtaining, or transmitting Protected Health Information without authorization a criminal violation. BULL CITY FINANCIAL isn't the original creditor, and I never authorized them to report my private information. I've got proof of their questionable practices, from inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). Validation and verification are not my concerns ; it's the false data on my credit report. They must remove this incorrect account and other negatives swiftly. If not fixed within 10 days, I'll take it to the United States District Court for the Eastern District of North Carolina. I'd rather sort this out amicably, but time is running out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: OK

Complaint narrative:
saying that I have debt that I did not pay off, and will be escalated and they will refer this matter to Counsel.

It must be a debt from a long time ago, and I am not sure what is the best way to handle this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: KS

Complaint narrative:
XX/XX/XXXX I went to Car Mart and financed a vehicle for over {$10000.00}. After having the vehicle less than a week I had it in and out of Car Mart 's Repair Service and still made my payments. I had close to 3 months left of payments for a total close to {$1300.00}. Then in XXXX of XXXX the engine blew. I called Car Mart and they had it towed to their choice of auto repair shop. Their shop stated it would cost more to fix than what it's worth. The Manager of Car Mart told me that they would " write it off '' and " I can finance another vehicle. '' From XX/XX/XXXX to XX/XX/XXXX I waited for a call from Car Mart 's Manager while still paying my car payments and a {$500.00} down payment for " the next car '' and on XX/XX/XXXX they called to let me know they " have a car ready for me to check out. '' They said I could take it for 7 days to decide weather I wanted it or not. '' I took it home and had my husband check it out. Right off he spotted several things wrong with the car. So after thinking it over I took the car back after deciding it had too many issues by the XXXX day. 
By XX/XX/XXXX not only did they put BOTH vehicles were on my credit report, they listed them as a REPOSITION. 
I called the main office and they said they would " look into it. '' After 30 days I looked again at my credit report and they lowered the amount owed but still had them as a REPOSITION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lenox Financial Mortgage Corporation
State: MO

Complaint narrative:
LENOX FINANCIAL MORTGAGE CORPORATION has illegally ran my credit and won't return or answer phone calls in fact when I call and they see it's me and they hang up and now they refuse to answer CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This charges on my credit report is a result of identity from Experian data breach

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-06 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: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
A contact this company to open a investigation for contract discrepancies over charge after that complaint they offer me a reduction a dont accept and they report a payment on XX/XX/2020 never happened report last day of payment report different payment history balance payment history in XXXX and XXXX a dispute and they validating and keeping like correct damaging my credit score violating my right If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-06 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: FL

Complaint narrative:
This charges on my credit report is a result of identity from XXXX data breach

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 2023-12-06 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: FL

Complaint narrative:
This charges on my credit report is a result of identity from XXXX data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX was supposed to remove negative charge offs from XXXX XXXX XXXX  for XXXX dollars and XXXX XXXX around XXXX XXXX and same with XXXX XXXX XXXX and XXXX so notified all 7 companies that since I have XXXX all seven know this this month me and niece lady is going to be trustee as a first party special needs trust under first party and state and federal she can instantly remove negative charge offs so XXXX XXXX failed so they must give back 4 payments each of XXXX each and XXXX to capital one and capital one must give it back to me immediately since they dont want to this unattiontly is causing financial abuse to a XXXX which is now criminal instead of civil so can you point out the laws to all 7 companies and save my trustee headaches so future she can deal with future problems but she has no problem dealing with old problems with me because of XXXX trustee job is a 24 hour job instead a normal day so can these 7 companies help her resolve it so she can have a normal day otherwise they find out the hard way what the law authorized her legally what she can do and the companies will automatically lose and they cant appeal at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I explained to Santander Consumer USA that through an audit that I was requesting that they will find out ; 1 ) My application was manipulated. 2 ) I would like to see it. 3 ) The car sale was grossly inflated. 4 ) My credit score at the time was close to 700 and there was no need for me to even be affiliated with Santander. 5 ) I did not agree to a {$560.00} car payment. The salesperson said it wasn't the final paperwork. At the time I was XXXX  and by myself and believed that I was taken advantage of and was not aware that Santander was picked for my finance and what they represented. Santander Consumer USA repossessed the car and resold it making money. There is a balance of {$7800.00} that they continue to report charged-off monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am a business man who sells groceries, there is this lady who came to my store said she needs to buy something and said her husband wants to send {$100.00} for what she got and I gave her my PayPal for the transaction, now its getting to my notice they disputed the transaction and I think they want to steal my money or goods PayPal just dropped me the notification and I think I want talk to help me out, Transaction id : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/23 I went to my local branch M & T to get a medallion stamp. The branchs Manager questioned the form when its a Fiscal Form from the Treasury. This particular Branch has been known for discriminatory behavior, Lying to their customers about only notarizing statements because their not familiar with the customer. The unprofessionalism and discrimination will not be tolerated at this Branch. This particular form the manager stated she has to check with her legal team as she can not sign on behalf of the bank when the Bank is the Trustee! It was explained the nature of the form and she shouldnt be questioning me about it when it clearly states the purpose of the form. The last page just asks for a stamp. The manager had no issue with stamping any of my other forms except this one! As the Trustee of said Bank its her duty to fulfill its obligations and leave her personal discretion out of business. The staff at this location displays unprofessional behavior when customers of color enter the branch! Notarys are only to identify the persons signature as well on the Fiscal Forms! Its contents unless otherwise specified the notary shouldnt read due to privacy. These practices will not be tolerated by its customers who is making money for this institution!

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 2023-12-06 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Robinhood bank restricted my account with my funds inside and they told me they will uplift the restrictions after 10days its over 10days now they never uplift the restrictions on my account and I need the money inside my Robinhood account for something important. They didnt allow me to transfer my money to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: TX

Complaint narrative:
On XX/XX/2023 my card was charged {$50.00} by a company for an upcoming appointment. That appointment was cancelled prior to occurring and the charge stayed for services that were not rendered. I called the company multiple times, left several voicemails, sent several emails and they have been non responsive. I called XXXX within the limited 10 day dispute window they offer to ask about disputing the charge and they said they were unable to dispute any charges if the company at any point was given my card information, they said it didnt matter that the company charged for a service they did not provide.

Company response to consumer: Closed with explanation