vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: MO

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX account # XXXX & XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX # XXXX all have violated my rights.

15 U.S.C 1681 Section of 602 A States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The company refuses to send me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The company refuses to send me 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 2022-06-27 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: MI

Complaint narrative:
On XX/XX/2022 I obtained financing through XXXX XXXX. They processed the loan through multiple lenders. I was ended up getting the loan from XXXXXXXX XXXX XXXX  in XXXX, MI. Meanwhile, all of these other inquiries are on my report for a single loan. I never authorized these multiple inquiries.

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 2022-06-27 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't 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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-27 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
The {$87.00} balance was paid in full. I have provided documentation to XXXX to dispute and they were useless. I'm attaching the email in which they state the balance is paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to freeze my credit with Experian to no avail. The imposter posing as me and applying for dozens of fraudulent loans also created a fraudulent account using my name, my social security account, but the wrong email ( the email she used is slightly redacted but i've attached a screenshot of it ). I am unable to get a hold of Experian in any way ( have tried calling and emailing ) but no representative is accessible. They only have robots. Please help!!!

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 2022-06-27 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: PA

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Names : XXXX XXXX, XXXX XXXX, XXXX, XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Inquiries : XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA 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 XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2022 I sent out a letter asking for them to send me my form 1099-c that they should have sent to me when when they filled the account as a canceled debt/ Charge off to My address. i have not heard back from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 I sent out a letter asking for them to send me my form 1099-c that they should have sent to me when when they filled the account as a canceled debt/ Charge off to My address. i have not heard back from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Happy to send along credit card statements emailed to me : Upon receiving the email/link to pay credit card monthly I had a credit statement paid twice on the same bill. This resulted in me requesting a return of the second payment. BOTH payments were equal to or greater than the bill statement for that month. They took up to 10 days to return it to my account. Consider ETF take no more than 24hours to the payment company request. 
My next statement show a credit of {$54.00}, upon calling to confirm this amount and there was NO DUE balance within this credit cycle thus no payment due at due date payment. Next, I get an email stating my account is past due. They had changed the balance of the statement outside the statement cycle. Then proceeded to file a late payment notice, and in interest charge when the bill clearly showed no payment due until the next billing cycle. They had changed the card balance outside the billing cycle. Then, even after I paid the full balance based on the email/statement they then sent another finance charge on what they stated was unpaid balance. This Capitol One Visa card was always balance paid in full based on billing cycle rotation. NEVER EVER late. I am furious with this inconsistent, accounting practice this credit card company as gotten away with. I expect a solution to their changing billing statements due outside the original billing cycle. Then, not alerting the customer as soon as these changes are made so I can cover it, instead waiting till the next billing cycle and showing late payment inside the 30 payment cycle. FIX THIS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I opened a claim with my bank, Wells Fargo, on XX/XX/22 for multiple transactions, including one for {$630.00}. Later, I discovered that the transaction for {$630.00} that was included in my claim was, in fact, authorized. I notified my bank of this on or about XX/XX/22. Initially, I was told that my request would take 2-10 days to remove the transaction from the dispute. After that time expired, I was told that it was still being investigated. Later, I was told that the transaction was never included in my dispute, although I received communication from the merchant that the funds were sent back to my bank, in XXXX, as a result of the dispute. The funds were never put back into my account, nor does the merchant have the funds. My bank has the funds but haven't been able to locate them. I have a complaint open, a claim open, I have spoken to multiple bank reps, and two supervisors. This matter is still unresolved. I'm still left with the question

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 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Received a letter written on XX/XX/XXXX stating that I owed a debt to ( PCI ) ProCollect Incorporated ( XXXX XXXX XXXX XXXX  ) in the amount of {$120.00}. Answered an incoming call from PCI on XX/XX/XXXX. Advised phone representative after I validated identity on a recorded line that I did not want to receive any more phone calls and all correspondence going forward I wanted in writing. On today, XX/XX/XXXX, I went on to PCIs website to dispute the charge electronically. Received another call today on XX/XX/XXXX at XXXX XXXX from yet another PCI associate attempting to collect the supposed debt of {$120.00}. I asked the associate if she saw the dispute that I submitted online. She responded by saying that what I submitted previously was unacceptable to file a dispute. That was an outright LIE because I NEVER submitted ANYTHING to PCI previously. I also mentioned to her that I had previously asked that all correspondence be in writing. She ignored me at just kept on talking trying to collect. I then asked to speak to a supervisor. The collector then responded by saying, this is not a supervisor matter and all I am concerned about is collecting payment Clearly CLEARLY my legal rights were violate and I would like for the CFPB to pursue legal action against PCI.

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
There is a new account opened under my name and i have not applied for this account, i have never heard of this account. This is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # 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 : its 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 2022-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THE REPORTING ON XXXX XXXX XXXX ( ACCT # XXXX ) IS INACCURATE AND INCOMPLETE. THE COLLECTION AND REPORTING HISTORY STOPS AND STARTS SPORADICALLY THROUGHOUT THE LAST 7 YEARS ; AND HAS BEEN ENTIRELY DELETED FROM XXXX THROUGH XXXX. THE DATE OF FIRST DELINQUENCY HAS BEEN DELETED AND/OR MANIPULATED BY XXXX XXXX XXXX XXXX XXXX TO EXTEND THE 7 YEAR STATUTE OF LIMITATIONS OF REPORTING WHICH IS AGAINST SECTION ( S ) 623 ( A ) ( 3 ) & 623 ( A ) ( 5 ) OF THE FAIR CREDIT REPORTING ACT. THE DATE OF FIRST DELINQUINCY IS XXXX OF XXXX MEANING THIS ACCOUNT HAS BEEN REPORTING ON MY EQUIFAX REPORT FOR MORE THAN 7 YEARS. 

EQUIFAX HAS FLAGGED AND/OR BLOCKED FUTHER DISPUTES ON THIS XXXX XXXX XXXX ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
I loaned a car with Automotive credit two years ago i got into an accident XX/XX/2021 and therefore no longer had the car i spoke to a representative at the company and explained i no longer had the car and i provided my total loss paperwork to prove it. the agent told me i should be fine and i dont have to worry because i no longer had the car. my account with them is closed but is showing several months past due and the past due months were all the months i didnt have the car. and is tarnishing my credit by showing those past dues. i would like to have those past dues removed so i can go back to my previous credit. so i opened a dispute ive disputed this account 3 XXXX and have provided documents that i was never past due on this account but it hasnt made a change. someone please help me with this issue.

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 2022-06-27 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
I received 2 letters from Discover stating they received my application for a Discover Bank Account, however, because they were unable to verify my information, the application has been cancelled as of the date of the letters ( XX/XX/XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Synovus Bank
State: FL

Complaint narrative:
I received a notice of dormant account on XX/XX/22 saying if I don't reactivate it I will be charged. I immediately called the bank and requested the account be closed so I would not be charged. I spent over an hour with them telling me I can not close with a balance and I needed to visit a branch. I explained I am living abroad and can not visit a branch and wanted them to issue me a check for the balance in the account and mail it to my home address and close account and they again said they could not do this. I've attempted to set up a transfer on their site but every time it say contact customer service and we go through all of this again. I just want the account closed and my funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Helbing Law Group
State: FL

Complaint narrative:
Helbing Law Group is debiting my bank account {$250.00} monthly. 

i have called customer service 3 times in 30 days requesting email documentation of progress in negociating my 4 credit cards. No results XX/XX/XXXX and XXXX spoke with XXXX in customer service. 

XX/XX/XXXX spoke with XXXX XXXX  in customer service she disconnected call. 

I emailed Helbing Law group XX/XX/XXXX requesting current status of account. NO responce, Helbing law group deducts {$250.00} monthly from my bank account. I requested on XX/XX/XXXX to not debit my account again until i receive updated information. I received call today and was confirmed from their customer service that they will debit my account or I can't participate in program. 
i asked for XXXX accounting of how much money they have in escow. No response. 

I am told they are working for best seetlement percentage. NO PROOF of any work being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Please remit my 1099-C so I can properly do my tax return. Once received please send the completed 1099-C to XXXX XXXX and the treasury. Also send documentation that you sent the 1099-C over to the treasury. Also, send back all legal tender because that is not a lawful form of payment. The securities you accumulated from the asset backed note should take care of that. The obligation of debt goes to THE UNITED STATES OF AMERICA. XXXX XXXX signature on the document also proves that the debt is already paid for. This was not expressed to the entity upon signing. If you don't understand please read the emergency banking act of XXXX and Indenture Trustee act of XXXX. Do not take any adverse action or lawful action will be taken. Respond as soon as you get this preferably within 5-7 business days. Thank you.

Company response to consumer: Closed with explanation