vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX, and my account got frozen for fraud, something I didn't do, and they won't unfreeze it because I don't have a picture id. I got funds in my account for {$1200.00}, and I need my funds too. I want y'all to verify me a different way without having a picture ID, allow me to withdraw my funds even when my account is frozen, or send me a check for {$1200.00} to XXXX XXXX XXXX XXXX XXXX PA XXXX, and my Venmo username is XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: FL

Complaint narrative:
on XX/XX/XXXX I submitted documentation including a FTC report advising these companies they are reporting fraudulent incorrect information and to remove this information. TRANSUNION continues to report XXXX on my credit report which is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XXXX CLAIMS I HAVE AN ALLEGED DEBT. 
XXXX HAS BEEN HARRASSING ME FOR MONTHS. THEY FIST STARTED WITH PHONE CALLS AND NOW ITS DAILY EMAILS XXXX HAS SENT COMMUNICATION THROUGH MEDIUMS OF MAIL DELIVERY PURSUANT TO 15 USC 1692C XXXX IS IN VIOLATION DUE TO CONTACTING MY WITHOUT MY CONSENT. 
PURSUANT TO 15 USC 1692D XXXX IS IN VIOLATION DUE TO REPEATED PHONE CALLS & EMAILS. 
PURSUANT TO 15 USC 1692J XXXX EMAILS SHOWS 2 COMPANIES TO WHOM ALLEGED DEBTED IS OWED COMPANIES BEING LVNV FUNDING LLC & XXXX XXXX XXXX  THESE COMPANIES ARE IN VIOLATION OF 15 USC 6801 DUE TO NOT CONCEILING MY PRIVATE INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FC HoldCo LLC
State: PA

Complaint narrative:
FLAGSHIP CREDIT ACCEPTANCE IS STILL REPORTING AN INACCURATE CAR THAT WAS FALSELY PUT IN MY NAME WITHOUT MY KNOWLEDGE!!! THE COMPANY WHO LET THIS HAPPENED IS NO LONGER IN SERVICE! THEY WERE SHUT DOWN FOR ILLEGALLY PUTTING CAR NAMES IN OTHER PROPLE NAMES WITHOUT CONSENT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One sent me a notice about Fraud on my card and it wasn't. I added an authorized user to my card and then I removed the person. The removal triggered the alert. I'm not upset about that because the person and I were previously in a relationship. What I am upset about is when I called Capital One about the issue and that the person and I are no longer in a relationship, they still want me to provide a Social Security Card and Drivers license copy of the person. I called XXXX to let them know that I've asked for the information to provide them, but the person refused as we're no longer in a relationship. I provided all the information I needed to as the primary card holder and owner and XXXX verified my information is correct, but they are still asking for me to provide the authorized users info which I can't. I've called several times and have spoken to serveral supervisers and the same impossible request is being made of me. When I asked to cash out my points on the card so I can close it, they told me I can't do anything with the card until I provide them the information. All I can do is just close the card and lose all points I've built up on the card because of their impossible request for sensitive information from someone I'm no longer involved with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have a bankruptcy that is being reported on my credit reports and that is inaccurate! My husband and I ALMOST went thru with bankruptcy but backed out..this is inaccurate information and needs to be removed from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have a bankruptcy that is being reported on my credit reports and that is inaccurate! My husband and I ALMOST went thru with bankruptcy but backed out..this is inaccurate information and needs to be removed from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I've held an American Express XXXX card since XXXX. This was my oldest line of credit. The card was always paid on-time and in full. 

In XX/XX/XXXX, the card was cancelled due to inactivity and my points forfeited without any notice. When I called on XX/XX/XXXX, an agent helped me open a case request to reinstate the account. I was assured that I'll be contacted by American Express within a week. Upon no response, I called again on XX/XX/XXXX. I spoke with two agents ( XXXX and then XXXX ), each taking me through the process of reinstating the account ( including taking all my personal details and SSN ) only to be told that the account and points can not be reinstated. My only option if I want an American Express card is to reapply for a new card, resulting in a credit check and forfeiting my rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: DLC, LLC
State: WI

Complaint narrative:
XX/XX/22 Hard Inquiry was not authorized by myself or any other party on my behalf. The company is listed as Dollar Loan Company of WI

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have numerous accounts being reported incorrect. I have items that are well over 8 years they are currently reporting as a newer account that should be off my credit report. I have Inquiries that are false and some are not off my credit report. Last, they are reporting wrong information because they are receiving old Information from other credit bureaus and not actually getting the right information so my credit score is suffering because of this. This is lawless and Unconstitutional. These acts do not comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have numerous accounts being reported incorrect. I have items that are well over 8 years they are currently reporting as a newer account that should be off my credit report. I have Inquiries that are false and some are not off my credit report. Last, they are reporting wrong information because they are receiving old Information from other credit bureaus and not actually getting the right information so my credit score is suffering because of this. This is lawless and Unconstitutional. These acts do not comply with the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: TX

Complaint narrative:
Experian you stated I need to contact my attorney general to get laws well open your wallet now Experian you have committed fraud I NEVER GAVE YOU OR XXXX XXXX  permission to verify anything READ THE LAWS ENCLOSED I an the original creditor and have full authority over any account READ THE LAW 15U.S.C.1602 { l } Also XXXX XXXX committed fraud by releasing any information with out my written permission 15U.S.c.1692 { b } I Never gave any, AGAIN REMOVE THE ACCOUNTS FROM XXXX XXXX AT ONCE FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: CL Holdings LLC
State: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Jefferson capital SY has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

This creditor is falsely reporting an account on my credit report that does not belong to me I have notified the creditor of the situation but the creditor has deleted the account and re-post the account as if it is a new account. The creditor is constantly doing this every year. This is not my acct and never has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Transunion )XXXX XXXX XXXX XXXXXXXX ( XXXX ), and XXXX  # XXXX ( XXXX ), as well as 2. DEPT OF EDUCATIONXXXX  # Installment XXXX XXXX : 3. US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX. U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), REVOLVING # XXXX ( XXXX ), and Revolving # XXXX ( Equifax ), as well as 2. DEPT OF EDUCATION/XXXX XXXX Installment XXXX XXXX : 3. US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX. U.S. Bankruptcy Court Reference # XXXX XXXX. SYNCB/PPC # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
Got a payday loan from Amscot and when I could not pay back when the loan was due. I first call and had to get extended two and a half weeks, and second time a week on the phone, but do to hardship I still was unable to pay, so I went in on the last day they had extended it. And ask for a grace period extended and was denied. And they said because they had extended over the phone twice without me know that they was going hold it against me when I actually went in to ask for a grace period extension. They also said, they was going putting the check through and charge me XXXX dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
RoundPoint Mortgage is reporting to XXXX as " Paying Partial Payment Agreement '' XX/XX/XXXX and XX/XX/XXXX. Also reporting " Account in Forbearance '' XX/XX/XXXX, during which time the Loan Modification process was still pending. 

Payment information/loan terms are still not correct. Shows a scheduled payment of {$1300.00} with an actual payment of {$1300.00} ; Terms {$1300.00} per month, paid Monthly for 480 months. Billing statements clearly show {$1300.00} due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Unfortunately, I'm still having difficulty with a Bankruptcy that is listed by XXXX. I thought this information was all settled, but then my most recent report from XXXX has the Bankruptcy reinserted ( See attached ). This is causing Equifax to refuse to remove the information. I need this corrected ASAP. It has been since XX/XX/XXXX I have disputed this information and told repeatedly that it was removed only to get a subsequent copy of my XXXX report with the Bankruptcy showing. 

If that's not enough, the report lists a Bankruptcy filed in XXXX by a " Spouse, '' which I've never had. This information is a grave error and the continual reporting of same is injurious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by XXXX financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from Transunion. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using XXXX financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that XXXX would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


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 2022-09-06 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by XXXX financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using XXXX financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that XXXX would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


XXXX. 
( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by XXXX financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 XXXX alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using XXXX financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that XXXX would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Credit Karma made false reports saying that i was approved for credit cards and i was denied and my credit was affected

Company response to consumer: Closed with explanation