vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 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: VA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA 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 2022-08-24 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:
Ive filed police report, multiple letters and calls, and filed with XXXX XXXX XXXX and FTC about this matter to remove this account from my report and the collection agency is also commuting fraud and violations as to updating account showing payments were made this year in fact defaming my character account by XXXX XXXX XXXX IN 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 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: NV

Complaint narrative:
I applied for balance transfer balance w/ discover card in the amount of XXXX dollars they approved XXXX I told them I needed XXXX. I told them if they could not XXXX to forget it. Two weeks later 2 weeks later they did a transfer balance anyway with out my knowledge or approval. That left me owing XXXX XXXX XXXX  and discover card XXXX. The legal term for that is surreptitious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MD

Complaint narrative:
I asked the company for some verification of the debt. I wrote them on XX/XX/2022. Requesting verification of the debt. They stated I said something about fraud. I need verification of what debt they are claiming I have. I called again on XX/XX/2022 after I did not receive any verification of the debt. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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.

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 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a credit card with Capital One that was closed by the issuer and subsequently charged off. 

While working with Capital One on a payment plan, the account was " apparently '' transferred to a law firm named XXXX, XXXX XXXX XXXX. I have no specific knowledge or communication from Capital One the account had been transferred to this firm. 

The firm " acting on behalf of it's client '', supposedly Capital One has obtained a judgment against me. 

The firm contacted me in XX/XX/2022 to arrange a repayment plan on behalf of " it's client '', Capital One. 

Terms had been discussed and was advised notification of terms would be sent vial email. That email was not received and a follow up phone call to the firm representative, XXXX XXXX went unanswered. Approximately 30 days go I received the first postal communication requesting an installment payment. Due to timing of receipt as well as current financial status, I had not been able to submit the " demand '' payment. 2 days ago, I received a notice of deposition. The law firm acting on behalf of Capital One is attempting to seize assets and garnish wages. 

Upon reviewing my credit report, Capital One has reported my account as " Closed, Account Canceled by XXXX XXXX ''. If the account has been canceled, how and why can a law firm obtain judgment and furthermore seize assets, garner wages? 

I have attempted to contact Capital One to resolve this matter and my calls get immediately redirected to the law firm. 

Upon speaking with the law firm today, the firm is not interested in arranging a payment plan. Merely, pay the balance in full or be deposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COMMERCE BANK
State: CO

Complaint narrative:
Commerce bank returned a payment made through billpay on XX/XX/2022 claiming my account never existed using the ID number on the bill. They would assess a late fee and deny I ever sent a payment and insist the late charge stay. They would promise to let me speak to a manager and then hang up on me and not answer any call since that incident. About an hour later Commerce Bank would call me and try to coerce me into paying this illegal late fee and deny that they ever returned a payment once again. I have stated that refusal to accept the balance transfer payment for the balance due minus the illegal charge would be their voluntary forfeiture of the balance and hang up. Commerce Bank has had me blocked from having online access to my account for 2 years because I am XXXX  Responses to this resulted in nothing more then their ban being left and Commerce Bank continuing to send me prewritten instructions on how to set up an online account but kept failing to address why I was blocked from having an online account. This was in retaliation to me winning a fight against their attempt to block a legal name change by simply ignoring it and claiming me changing my name XXXX XXXX affirmation purposes is against their security policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one I been on time but I have not received the date to pay it they say I am a day off I been doing a good job they been incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hi, I filed a report previously- XXXX regarding this account with Layne Bryant credit card XXXX I requested the card be closed in XXXX of XXXX. The account wasn't closed and I was fees every month after that for 6 months. I called them every month about this issue and they assured me that it wouldn't happen again. During this time in XXXX of XXXX they reported a late payment on my credit report. 

When I previously filed a complaint, they stated that they would remove the late payment from my credit report and refund me for all the charges that had happened for over 6 months. They have not done anything that they said that they would do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24 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: FactorTrust, Inc.
State: TX

Complaint narrative:
XXXX Factor Trust you stated you never heard of me till I filed a dispute I quote FACTOR TRUST The alternative credit bureau that's on your letter head Telling the CFPB that you never heard of me will here is proof enclosed I enclose two copies of credit freeze from you, and you are reporting to XXXX you violated my rights, lied to the CFPB in your statements that you do not Freeze reports. CFPB please look in to this, documents enclosed, XXXX owns FactorTrust which is owned by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Since Specialized Loan Servicing was assigned this mortgage from XXXX XXXX Bank in XXXX, XXXX, they have claimed that we didn't make the payment that was due XX/XX/XXXX. We have had numerous phone calls with them, and have sent them several written letters with documentation ( bank statements, payment notices, etc. ) concerning this disputed payment. They have even provided me with documentation from XXXX XXXXXXXX XXXX that clearly shows that the payment was made. This mortgage will mature XXXX, XXXX. This issue will further aggravate the dispute of the balance remaining on the mortgage. This dispute may also interfere with the sale of this home. We have recently sent several certified letters with documentation to them concerning this issue. They have been incessant in calling us about what they allege is an overdue payment. We have received over XXXX collection phone calls from Specialized Loan Servicing since this problem began.

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 2022-08-24 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: PA

Complaint narrative:
Hi, I am a victim of identity theft. When these accounts were opened, my personal information was stolen and used to commit fraud against me. I have given no authorization to these companies to open these accounts OR run my information. I need these accounts to be REMOVED/DELETED IMMEDIATELY because it is affecting my credit score tremendously and is affecting me from being successful in my life. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please DELETE the FOLLOWING items as soon as possible : EQUIFAX ACCOUNTS : XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$12000.00} XXXX XXXXXXXX OPENED : XX/XX/XXXX AMOUNT : {$300.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$730.00} XXXX OPENED : XX/XX/XXXX AMOUNT : {$300.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$430.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$220.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX MY ID AND SSN IS ATTACHED TO THE DOCUMENT " EQUIFAX '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: FL

Complaint narrative:
XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX PM ( 2 days ago ) to me Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, I would like to file a complaint on Great Lakes Account # XXXX in the amount of a {$27000.00} Student Loan, I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking a relative and providing them with information regarding this debt advising. This violates 15 USC 1692 ( b ) ( 2 ) I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: DC

Complaint narrative:
I changed my legal name and submitted to Robinhood all the required documents to update my name on my Robinhood accounts. 

For a week, customer service made multiple contradicting requirements, and every time they asked me for a new or additional information or document I happily provided them within less than 24 hours from the request time. 

To my surprise, they decided to block my funds, my debit card and access to my funds. It's been more than 4 weeks now, and every time I ask for information or attempt to speak to customer service they tell me that they can not disclose their review until it's completed. 

I am the victim of Robinhood hyper vigilant automated systems that deny me access to my own funds for weeks, for no real valid or legitimate reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: IL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX, IL ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAME : XXXX XXXX XXXX XXXX EMPLOYER : VA XXXX RETIRED ADDRESS XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : 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 Equifax EMPLOYER : XXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: IL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX, IL ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX 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

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