vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. I did not authorize these inquiries XXXXIR Date of inquiry : XX/XX/2020 Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX 13. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX 15. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 16. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX 18. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act and Gramm-Leach-Bliley Act ( GLBA ) CAPITAL ONE has violated my rights by furnishing my credit usage. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - states that my consumer report does not include information solely as to transactions or experiences between the consumer and person making the report 15 USC 6802 ( b ) ( 1 ) ( B ) - states that I, the consumer should have been given the opportunity to opt out of my nonpublic personal information being shared to nonaffiliated third parties 15 USC 6802 ( b ) ( 1 ) ( C ) - states that I, the consumer should have been given explanation on how to exercise that nondisclosure option

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: NJ

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 2022-09-07 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: TX

Complaint narrative:
This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: FL

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 2022-09-07 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:
This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}

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 2022-09-07 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: TX

Complaint narrative:
This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TX

Complaint narrative:
This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}

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 2022-09-07 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: TX

Complaint narrative:
There is information on my consumer report that is a result Identity theft. I never gave written consent for any company to share my non public information to a third party. 

15 USC 1681 ( b ) permissible purpose a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. 

I demand XXXX and Experian to provide a contract bearing my wet ink signature to furnish any information on my behalf. Failure of such contract shall result in these following accounts in the attached letter to be blocked and removed within 4 days.

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 2022-09-07 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: NJ

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 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 2022-09-07 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: NJ

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 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 2022-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank, XXXX. 

The Citizens ATM at XXXX, MA isn't XXXX  working. 

Seems like it's out of order half the time. 

Why install ATMs if you can't keep them working?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AUTOMOTIVE CREDIT CORPORATION
State: IN

Complaint narrative:
I bought a car from the XXXX XXXX in XXXX Indiana on XX/XX/XXXX. I was financed through the Automotive credit Corporation. the total amout financed was {$6100.00}. I paid {$800.00} cash down to the XXXX XXXX. the owner of the company is XXXX XXXX. THe finance company paid the car lot in full so i then made my payments to them through their web site. I had a family emergency that required my finaces but i i had made arrangements with the finance company. I paid them {$200.00} of the {$260.00} payment and i agreed to catch the the remaing up. 

On the XX/XX/XXXX the XXXX XXXX sent a tow truck and took my car. I do not make i payments to them i have a letter from the finance company telling me to deal directly with XXXX about my account. The next day i called to see how i get my car car back and what i need to pay. XXXX then informs me that they do not have my car, nor did they authorize the reposessioin. they advise me to contact the police to see if a repo was reported to them. 

The dispatch officers informs me that no repo report was made so i then procced to file a stolen vehicle report. I also called the XXXX XXXX and XXXX XXXX said they didnt have the car. when the police filed the report XXXX XXXX then informed the officer that he repossed it. 

I have the call recorded with the finance company at that point saying that they do not know why he has the car or or what he wants to accomplish by taking it. 

The finance company sold my car back to XXXX XXXX who is now going to sell it at an auction. So my contract was cancled with XXXX and wont tell me why. i recived a letter on the XX/XX/XXXX stating any questions need to be directed to the XXXX XXXX 

I dont belive either company has a license to finance so i was decived and robbed of my money. also they voided my signed contract. over XXXX bucks.

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 2022-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
From XXXX, I attended a private college, XXXX XXXXXXXX University XXXX and borrowed an Original Principal of {$26000.00} through Navient/Sallie Mae and co-signed with my mom with apparently a variable interest. 

My mom and I paid {$33000.00} from XXXX, before I refinanced with XXXX. But somehow I still owed to Navient, {$40000.00}, which XXXX took on. Now that loan won't end til XXXX where I will have paid {$71000.00} to XXXX. 

How is this not paid off by now? 

I have XXXX and XXXX about where my life is because of this single year of school. I can't buy a house let alone save up for one simply because of the private loan practices of Navient/Sallie Mae . 

What am I supposed to do? Pay {$100000.00} to pay off {$26000.00} that I originally borrowed? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I have called NewRez LLC numerous times in regards to a credit dispute of a missed payment. The first inbound phone call, XX/XX/2022, call ended with a NewRez employee that incorrectly entered my account information for an ACH transfer causing a payment to not go through and become late. The second phone call XX/XX/2022 from NewRez to collect again ( due to the first ACH wire transfer not going through ) failed because they again used the incorrect account information entered by the first employee. The XXXX key on the original employees keyboard was not registering and the error was not caught by her or the second employee The account number was missing both XXXX. I was told that XXXX XXXX would listen to the recording, remove the late payment fee and wipe the credit score report. This never happened, the email was never responded to and I was left with impacted credit and late fees. From this point on all contacts were initiated by me, hours of my time spent waiting on hold only to get a different story after each phone call. They weren't even sure what month was actually late at that point. 

I have now paid 2 late fees and suffered a credit drop impacting my ability to do business. The communication from NewRez is non existent and phone calls usually end with the employee telling me to log in to their website and self service my loan. I have now requested a paperless account numerous times both over the phone and on the companies website due to our mail being un-reliable. It has never gone through, this entire situation could have been avoided if my requests for email servicing would have been taken seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I took a check and go loan out several years ago and was not able to repay. Around XXXX - XXXX I got to a point in my life where I was able to repay it. 

Fast forward to today. My mother received a call from someone claiming to be from XXXX XXXX Ohio courts, according to my mom, and asking for my information stating they are trying to serve me. She refused and forwarded me their info. I called in a panic believing they were with the courthouse. I do not live in that county. 

I called the phone number my mother gave me XXXX, and spoke with a different rep who advised me I had a debt from check and go for an unspecified amount, they would not specify the date, but said it was years ago. I advise I already paid this last year. They said they were trying to serve me to sue me in court over 3 allegations of unpaid debts. They wouldnt give me a real company name, the name I received was National. I assume they used this name to confuse people into thinking they are a government entity. They kept hanging up on me when I told them it was already paid and they will have to take me to court. I will be calling back tomorrow to get an address. I verified on my latest credit report I have a collection that was paid around XXXX of XXXX. 

There has been no contact by mail no notification of debt owed prior to this conversation. They jumped the gun and threatened with suing me without correct process of sending me some notification of attempt to collect debt. As well they have no business telling me mother theyre trying to serve me. They are trying to scare not only me but my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America XXXX Bank of Ameri Rewards Card. 
My family had paid for services from a moving company on ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) on XX/XX/2022. The company damaged many of our items with over {$2500.00} in total damage. We reserve the right to withhold payment through Bank of America Credit Card. We are reseriving the right to withhold payment due to the servicing company refusal to fix/repair the damage they have caused. Bank of America has forced the charge to go through of {$1100.00}. They also have denied our claim without taking our rights into account. The funds need to be returned to pay for damages caused by the servicing company ( 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 explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma reported a wrongful information for me to apply for a credit card, and it had affected my credit score to drop, it stated that I have an excellent chance of getting approve for XXXX XXXX credit card, which I did went by what they send me and apply. And I did not get approve. But credit karma did stated, that I have an excellent chance of getting pre-approved for the card. Now, It has a hard inquiry on my credit report and drop my credit score. Please help. I have been trying to improve my credit score for a bigger goals to purchase a home, and put a trust in credit karma to help me, but I did not know the outcome will turn left for trusting credit karma. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation