vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried several attempts to get the credit bureau to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XXXX XXXX XXXX Since then I have made 3 additional attempts in writing and by phone. They have also denied me my right by law to have all inquiries removed from my credit report that were not made with my knowledge of what was happening. Many companies use unfair and illegal tactics to have access to my credit as I explained to this credit bureau and they did not respond. I plan to send one last letter in an attempt to correct this issue in conjunction with this letter. 

I want to be clear that 15UFC6802 states that 15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

15CFR313 16CFR433.2 16CFR433.3 I have become homeless and not able to obtain a new home for me and my children as a result of credit bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the credit bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.

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 2023-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I initially disputed this account because I noticed multiple Fair Credit Reporting Act violations. I reached out to Capital One via certified mail. After receiving little documents from them regarding this account, I immediately noticed that they never provided me certain disclosures that are required by Federal Law such as legal disclosures required under 15USC 6802, legal disclosures required under Uniform Commercial Code 9 and Proof of Commercially Reasonable Manner of Transaction of the Subject Vehicle. Capital One responded saying they basically have complied and that is a flat out lie. I was never given the opportunity to not disclose this information to a third party and this took away my consumer right to non-disclosure. 

SINCE I DIDNT GIVE YOU WRITTEN INSTRUCTIONS TO report anything to my consumer reports, this is another violation of this Federal Law known as the Fair Credit Reporting Act. 

I have to tried to resolve this matter with Capital One but they have shown no effort into deleting this account after violating my consumer rights and the FCRA. 
So now I am requesting compensation for Capital One willfully failing to comply with any requirement imposed under 15USC 1681. I am demanding $ 1000per violation totaling {$5000.00} and a full deletion of this account from my consumer reports due to this repossession being reported on my consumer reports causing me damage. 

In addition, i received a dunning letter from XXXX XXXX attempting to collect this same alleged debt as Capital One and this is another violation of the FCRA. Because it is illegal for two companies to collect on the same account at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX have 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 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 non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX have 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  name : has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX  ( XXXX ) is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of XXXX  does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-01-12 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: GA

Complaint narrative:
XXXX XXXX XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

Equifax Mortgage Service - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


Equifax Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I requested to cash out my rewards as a direct deposit to my bank checking account. They confirmed my request with the following email : XXXX, XXXX XXXX Account XXXX in XXXX Congrats! You redeemed your rewards Dear XXXX, You successfully requested a direct deposit on XX/XX/XXXX. Well apply this deposit to your bank account ending in... XXXX. The timing of the deposit will depend on your bank. 

Redemption Date : XX/XX/XXXX Redemption Amount : {$1000.00} Thanks for being a cardholder! 
Visit Account Center About this Activity We sent this message to confirm your direct deposit redemption. 

Questions or Concerns Visit Account Center for easy access to frequently asked questions. Our XXXX XXXX team is here to help, too. Just call us at XXXX ( XXXX ). 

Copyright XXXX Bread XXXX. This site gives access to services offered by Comenity Capital Bank, which is part of Bread XXXX. 
XXXX XXXX XXXX XXXX XXXX Credit Card Accounts are issued by Comenity Capital Bank. XXXX is issued pursuant to a license from XXXX XXXX XXXX Visa is a registered trademark XXXX XXXX XXXX XXXX XXXX and used under license. 
Please do not respond to this email. Replies to this address can not be serviced. To ensure delivery, please add XXXX to your safe senders list. 

Privacy | Security | XXXX I called their customer service in XXXX as I had not received my deposit and was informed that though it had been more than 30 days the deposit takes up to 45 days. The customer service representative did contact her supervisor and turned my issue over to the supervisor. 

On XX/XX/XXXX I again contacted customer serrvice as I was now over 60 days out from the notice of the direct deposit. I spoke to XXXX who gave me a number as reference of XXXX. I asked if I could speak to a supervisor and he said no as they already were taking care of my issue from my first call to customer service. 

I would like the direct deposit to occur immediately as I am now over XXXX months out. I did tell XXXX that I would not use the credit card at all until the deposit is made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
on XX/XX/XXXX I made an International wire transfer in the amount of {$5000.00} USD to XXXX XXXX in XXXX, XXXX for the purchase of real estate. I was told by HSBC that it would take 48 hrs for the receiver to get the money. 48 hrs went by and the receiver contacted me to let me know that money was not yet received. I called HSBC on XX/XX/XXXX and they told me since it was an international wire transfer it would take 7-10 business days for the wire to be processed. According to HSBC the account had to be verified. Days went by and money was still not delivered. I then decided to wire the money from my XXXX account and the money was delivered in less than 48hrs which is the normal time frame. I then called on XX/XX/XXXX to cancel the Wire transfer since it was never delivered. I was told the credit would be reflected in my account within 2-3 business days. I called XX/XX/XXXX and was told additional information was required. I provided and verified the receiver 's information. Nothing happened. I called again XXXX and asked to speak to the wire department. I was told I couldn't speak to them directly. I called again on XXXX and was told the cancellation was under review. XX/XX/XXXX money still not refunded, I had to again verify the receiver 's information and was asked when the company was established. This information was not requested at the time the wire was initiated, so it makes no sense as to why I would need to provide that information to cancel. I however reached out to the receiver " XXXX XXXX '' and they were very cooperative and provided me with the information. This is the worst bank, I find it unacceptable that I to make over 10 calls, over 1 hour each to simply cancel a wire transfer. XX/XX/XXXX - Called again and had to provide additional information, they said the wire cancellation would finally be processed, and the money would be refunded within 3-5 business days. This bank should not be allowed to do business in the USA due to their bad banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MS

Complaint narrative:
NOTICE OF DEFAULT & OPPORTUNITY TO CURE Reporting inaccurate information on my credit report, defaming my character and credit worthiness, without a permissible purpose to coerce me into paying a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Velocity Portfolio Group
State: NY

Complaint narrative:
Its a hospital bill that i was paying on and then was turned to collections. Never been notified didnt give my consent to publish the report or givin any time to pay. In XXXX month they wanted the whole amount when i was set on paying it at hospital. This whole thing is against the fair credit reporting act thank 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 explanation
Consumer complaint received 2023-01-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter to Experian on XX/XX/2022. The investigation began on XX/XX/2022 and it's been well over XXXX  days and I still haven't heard anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian has XXXX  days to respond to my dispute. This is a violation of my rights.

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I received this prepaid Mastercard as a gift in approximately XXXX and never opened it. I opened it on XX/XX/XXXX and though it has an expiration date of XX/XX/XXXX on the outside cover and the card, the card had a XXXX balance. 

I called the number listed on the card, XXXX, and I was told that the card had a XXXX balance. They referred me to another number XXXX and they told me that they have nothing to do with the account. 

All I know this was a sealed gift card that I opened today and the balance was apparently charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT ( XXXX ) is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$250.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I called CBE Group which is a collection agency for Charter Communications or Spectrum and requested to speak with a supervisor. I was placed on the phone with supervisor XXXX XXXX. I explained to her that I didn't realize a payment was due because I moved. She confirmed once I paid she would send in a letter of withdrawal to the credit bureaus and it would be removed once they received the letter. She explained that they don't do pay for deletion, but since I was unaware a balance was due because I switched residents, she would make an exception and send in a withdrawal letter which would wipe it off my credit completely. I paid the amount and she reassured me I had nothing to worry about. 

I called back XX/XX/XXXX and spoke to a team lead by the name of XXXX XXXX. He explained that the information she gave me was wrong and the most they would do is a letter of satisfaction. I explained to him that XXXX XXXX defrauded me out of a payment and to check the audio recording. He was reluctant to do so. I told him that I would be filing a lawsuit and his attitude was very dismissive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
Had a mortgage with XXXX. No escrow. Property was rezoned to require flood insurance. Purchased same as directed and have maintained policy to XXXX 's satisfaction. No issues, no problems, no escrow. Mortgage was sold by XXXX to new company called The Money Source, or XXXX. XXXX has now told me that my own policy for flood does not fit with or comply with their parameters and that they will need to establishment an escrow account for my property, which never existed under my previous lender. I've been told this is not legal for the new mortgage company to enforce. Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: AL

Complaint narrative:
Do to my understanding someone have assent to my personal information due incorrect social security names appears on my credit report if an address I have no knowledge of an account I have no knowledge of if they names doesn't match my government issue identity card birthday it's identity theft I requested I a full investigation an everything should be removed off my credit report due to identity theft full disclosure everything should match if my names doesn't match I requested everything be removed

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 2023-01-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello, please see documents attched for more details. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: OR

Complaint narrative:
I have a credit karma account. I applied to at least XXXX credit card applications believing that I was pre approved for the cards because credit karma said so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Shellpoint claims the {$5.00} wrongful payment from XX/XX/21 has been rectified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation