vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: NY

Complaint narrative:
I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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 explanation
Consumer complaint received 2022-03-01 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: NY

Complaint narrative:
I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX  & XXXX XXXX. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: NY

Complaint narrative:
I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX  & XXXX XXXX. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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 2022-03-01 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: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$2400.00} XXXX XXXX XXXX : XXXX -- -> : {$710.00} XXXX XXXX XXXX : XXXX -- -> : {$900.00}

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 non-monetary relief
Consumer complaint received 2022-03-01 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: UT

Complaint narrative:
Capio Partners called me in XX/XX/XXXX and claimed they had a medical debt for {$1700.00} from a hospital visit in XX/XX/XXXX. I had collected and paid all hospital bills related to that visit, even had to hire a patient advocate to help collect everything. They gave me the name XXXX XXXX as the name of the medical provider that I owed. I've never heard of them. I called XXXX. I asked if this provider had attempted to bill me, and asked why they didn't bill my insurance. They claim they never received my insurance from the hospital- except every other provider, even the ambulance, managed to get it. They acknowledged that they had never called me and had only sent XXXX initial notification in XX/XX/XXXX, which I don't recall receiving. Of course I wouldn't have paid it at that point anyway, because they hadn't yet adjusted it for my insurance. But they never sent any further bills or made any calls or attempted to get my insurance info from the hospital. 

They sent me some kind of financial notification clearly not intended for the patient- it isn't a bill, it doesn't explain who the provider is or what they did for me. I emailed back and asked for a more accurate bill and never got a response. 

I called my insurance company, and they said they would no longer pay the claim because it's been more than a year. Capio told me that this bill would be my responsibility now. XXXX 's representative told me over the phone that it might be all down to XXXX issues, and that's why it didn't happen. I don't see how that means I need to pay {$1700.00} to a doctor I have no memory of even meeting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an auto loan with XXXX XXXX. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late or else delete it. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


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 explanation
Consumer complaint received 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an auto loan with XXXX XXXX. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late or else delete it. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


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 2022-03-01 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: CA

Complaint narrative:
I have an auto loan with XXXX XXXX. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late or else delete it. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: CA

Complaint narrative:
I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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 2022-03-01 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: CA

Complaint narrative:
I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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 2022-03-01 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: GA

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$2400.00} XXXX XXXX XXXX : XXXX -- -> : {$710.00} XXXX XXXX XXXX : XXXX -- -> : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid off my nearly 5 year car loan with Honda Finance Service DBA American Honda Finance Corp. On XX/XX/XXXX, I contacted the customer service line because I had yet to receive my title nor any communication with regards to its release. To my shock and dismay, the company claimed that my cars title was held in XXXX, of where I was a resident for nearly 3 years, which I refuted. 

I refuted this claim as I have since returned to XXXX  and was able to register the vehicle in the state. All issues of title and anything vehicle related has to be resolved before doing so. As a result, I was berated and hung up on- even my a supervisor upon request. 

I contacted XXXX  DMV on XX/XX/XXXX and they confirmed by skip tracing my vehicle history over the phone that there was never a concern with regards to title held in another state. They also reported to me that no notes on the matter raised by Honda were indicated. 

I also contacted XXXX DMV on XX/XX/XXXX and they advised me to send an SR-4 letter to the finance company to prove that XXXX  ( 1 ) never held title on my car and ( 2 ) does not stipulate having title as a prerequisite to register the call in the state. 

I relayed this information to XXXX from Honda when she called me after I filed a XXXX XXXX XXXX compliant-to which she sent a letter stating XXXX  XXXX, not XXXX  DMV as earlier mentioned, would not release my title to which I advised that my XXXX  SR-4 is in route to her office. She told me that Honda would request my title and I would hear back from her ; however, I did not. 

Honda reported to XXXX  that as far as they were concerned the matter is closed. However, this company no longer has interest in the car and the vehicle is paid off prior to the maturity date of the car loan agreement. This is unscrupulous business practice and bad business. 

Therefore, on XX/XX/XXXX, I told the company per Federal and state law, it has exceeded the 60 days timeframe in which to provide me a release of lease to which I received a call back from Honda Rep. XXXX requesting more time without a specific timeframe and continuously placing blame on the XXXX  DMV system that has already refuted their claims of needing proof of XXXX  removal of title. 

I am seeking CFPBs assistance in holding Honda reliable for its mix messaging and delay in releasing title. Tomorrow will mark 3 months since I have paid off my car note but I have nothing to show for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello My name is XXXX XXXX In the brink of the Covid pandemic on on XX/XX/2020 I had a late payment on my capital one credit card 30 days late. Also in XXXX XXXXI was 60days late and in XX/XX/2020 I was 30 days late. I had just got laid off from my job just like half of the world did. Money was tight and I could not make my credit card payments. Since then I have bounced back and have made all my payments on time. I have reached out to capital one and asked for the late payments to be removed but to no prevail they told me they would keep the payments on there. This is really affecting my credit score and life I need good credit and good credit history to one day own a house for my family. Please HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: IN

Complaint narrative:
Pre Approved for an auto loan via XXXX XXXX for Carvana. Per XXXX XXXX my APR would be 8-9 %. However, Carvana advised my credit score was XXXX and financing would be a be slightly over 11 %. I reached out to them and said that seemed high for my score as well as shared XXXX XXXX rate that was given and was told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: IA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I opened a Citi checking account to receive the Welcome Checking Cash Bonus Offer, and funded it on XX/XX/XXXX. I maintained the account balance through XX/XX/XXXX. 

I reached out to Citi on XX/XX/XXXX to confirm I was correctly enrolled in the bonus program, and a Citi representative told me verbatim : " Terms : The bonus will be credited to the existing Account within 90 calendar days from the date when the client completed all required activities ( Opened Account, deposited with in 20 days from Account Opening and maintained for 60 days ) 60+90 days Basically. '' I have attached screenshots of the conversation. 

I reached out to a second Citi representative on XX/XX/XXXX because it had been more than the 60+90 days referenced by the first Citi representative, and I still had not received my bonus. The second representative agreed that I had met the terms of the bonus offer, and offered to file a dispute on my behalf. I have attached screenshots of the conversation. 

I received an email from the Citi Client Care Team on XX/XX/XXXX, stating that they had researched the matter and I did not qualify for the bonus. I am a bit flummoxed, as I know that I fulfilled the bonus qualification requirements and have effectively had two separate Citi representatives confirm the same.

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 monetary relief
Consumer complaint received 2022-03-01 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: NV

Complaint narrative:
In accordance with the fair credit reporting act these XXXX account numbers have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 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 instructions. 
15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-01 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: Nelnet, Inc.
State: TX

Complaint narrative:
Irecentlyreviewedmycreditprofileandnoticedinaccuracies.Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

I have been disputing ALL XXXX XXXX XXXXGreat Lakes inaccuracies on my credit report for the last year as XX/XX/XXXX Nelnet and Great Lakes no longer service Student loans. 

XXXX XXXX XXXX XXXX/Great Lakes has been reporting as a Duplicate account to Nelnet Both accounts have the same account OPEN date XXXX XXXX, XXXX. 

NELNET is reporting two Separate accounts {$28000.00} and {$36000.00} adding them both together you get {$64000.00} one dollar off from XXXX XXXX XXXX thats reporting {$64000.00} This account is not showing Disputed on my credit profile. 
This account is showing OPEN on XXXX and Closed on XXXX This account is showing Transferred

Company response to consumer: Closed with explanation