vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My mom received a call from XXXX XXXX XXXX and XXXX on XX/XX/XXXX and they told her that I had listed her as a reference and to have me contact them. 

I called them and found out that they were trying to collect debt from XXXX for a credit card I supposedly had and hadn't paid on. I explained that I didn't have any credit card at that time and it wasn't until much later that I had a credit card. The person I spoke to said the info about the card would be sent to my home and it would take about a month. At that time, I told her to not contact my mother in regards to this anymore. She also advised me that if it was a family member that had the card in my name I could taken them to court over it to get the money. 

I contacted Capital One at that time because I knew the card wasn't mine and I was concerned that someone had my personal information and potential fraud/identity theft was involved. I spoke to two separate people in two different departments at Capital One and neither one found anything under my name for a card with missed payments or having gone to collections. 

I didn't receive anything further from XXXX XXXX XXXX XXXX  XXXX until they left a voicemail on XX/XX/XXXX that said I had 24 hours to respond or judgement would be filed against me. They also contacted my mother again despite me telling them not too. 

I spoke to someone today, XX/XX/XXXX, in regards to this and was told that the card in question was from Capital One that I used to make purchases from XXXX to XXXX. I again told them that this wasn't me and I didn't have a card at that time. 

The person I spoke to said that the total amount owed including attorney fees was {$3500.00} and I would receive a subpoena to appear in court over this matter at either my home or my place of employment. She also said they could/would place a lien on my vehicle as well as my home. 

This is not debt that I owe, and I have received never received anything from this company other than the contact to my mother and the voicemail that I received. I have purchased several cars, a home and had a personal loan after this supposed debt went to collections and none of the credit checks ever showed any debt owed to Capital One ( or anyone ). I also routinely check my credit report and there has never been a card for Capital One prior to the ones that I have now which I opened in XXXX and XXXX. 

I asked if this matter could just be sent to the credit bureau so I could dispute it there since I wasn't receiving anything from the company and was told that's not the way it works.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Disputed with XXXX XXXX, Equifax and XXXX and did not get return resolution for disputes or responses at all. No reports mailed back to me and no response in email from any of, these institutions sent disputes to each company on XX/XX/2022 they are over way over the time frame that a response should have been completed and returned to my home address on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
the payment history of this closed account was not accurately reported to all 3 credit agencies this is inaccurate reporting. pursuant to 15 usc 1681 ( a ) Accuracy and fairness of credit reporting, I was never late and also a violation of 15 usc 1681b ( a ) ( 2 ) i did not give written notice to furnish or report any information about me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  Date Opened : XX/XX/ Balance : {$24000.00}

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 2023-04-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I placed an online credit dispute with Experian credit bureau on XX/XX/XXXX, to inquire about the following student loan accounts below ( listed by date opened and the original loan amount ). 

Date Opened Original Amount XX/XX/XXXX {$8500.00} XX/XX/XXXX {$8500.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$4200.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$8700.00} XX/XX/XXXX {$6600.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$110000.00} XX/XX/XXXX {$6100.00} XX/XX/XXXX {$11000.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$31000.00} On XX/XX/XXXX, Experian responded via the Experian website and stated the information was accurate. However, XXXX and XXXX have different, more positive information which is reflected in score differentials over the past 6 months. 

On XX/XX/XXXX, I sent Experian XXXX XXXX a letter ( Certified Mail Receipt Tracking # XXXX XXXX XXXX XXXX XXXX ) inquiring as to why their credit bureau is the only one negatively reporting my paid/ closed student loan accounts. As a first-time home buyer, this is negatively affecting my personal credit and ability to be taken seriously when inquiring about home ownership. 

I told Experian credit bureau to investigate every piece of information on the paid/ closed student loan accounts I have listed below. 

According to FCRA, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 15 U.S. Code 1681 Today ( XX/XX/XXXX ) I received an Experian credit report via US mail. just All accounts state paid/ closed on the account. Experian stated my account was verified. I am questioning the validity of the agencys proper investigations according to the law. 

Also, this information on these accounts is still negatively reported only by Experian. And according to FRCA15 USC 1681, all information reported should be investigated to the fullest meaning of the definition to ensure all credit bureaus are reporting the same fair information to assist first-time home buyers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}

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 explanation
Consumer complaint received 2023-04-04 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: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$9000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update this ASAP. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and BXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2023-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : KOHLS/CAPONE XXXXXXXX XXXX : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I disputed transactions with Ally. They failed to respond in a timely manner and then called me on the phone to dispute the very same transactions. Now, XXXX XXXX, I get several letters in the mail asking for the same information again. Better yet, they tell me that my disputes are not covered under the regulatory dispute process because I didn't attempt to contact the merchant. Even though I did, and I told them this on the letter and on the phone several times. They refuse to give me credit, and they won't investigate unless I send them their letters back signed saying that their findings are incorrect. They are incorrect, and I can't possibly get them back within 5 calendar days because I just got the letters two weeks later. It has now been a full month since my original dispute. I am attempting to resolve this by sending them the letters, but this happened before and nobody ever helped with my dispute. I do not believe that Ally is following Regulation E guidelines and need to keep this as a record in case they don't fairly handle my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

- According to, U.S.C. 1681 section 602 A. states I have the rights to privacy.

- According to, U.S.C. 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction - According to, U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request that the dispute settlement account from XXXX XXXXXXXX XXXX be removed from my credit report. I recently settled a debt with XXXX XXXXXXXX XXXX for {$470.00} and the debt was paid in full. As a result, I would like to have the dispute settlement account removed from my credit report. I am providing a copy of the settlement agreement and payment receipt as proof of the debt being settled. I am also including a copy of my current credit report so that you may verify that the account is accurately reported. I thank you in advance for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request that the dispute settlement account from XXXX XXXX XXXXXXXX be removed from my credit report. I recently settled a debt with XXXX XXXX XXXXXXXX for {$470.00} and the debt was paid in full. As a result, I would like to have the dispute settlement account removed from my credit report. I am providing a copy of the settlement agreement and payment receipt as proof of the debt being settled. I am also including a copy of my current credit report so that you may verify that the account is accurately reported. I thank you in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Bull City Financial Solutions, Inc
State: IL

Complaint narrative:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following account : BULL CITY FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NC

Complaint narrative:
In accordance with the Fair Crede Reporting act, The List of accounts below has violated my federaly protected consumer rights to privacy and confidentialty under 15 USC 1681. 
Account name : # XXXX loan services # last XXXX Account name : XXXX # last XXXX has violated my rights. 
15 U.8.C 1681 secsion 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Secion 2 : also states a consumer reporting agency can not fumish a account without my written instructions.

15 U.S.C 1681e. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 16815-2 ( AX1 ) A person shall not furrish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonabile cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: NC

Complaint narrative:
In accordance with the Fair Crede Reporting act, The List of accounts below has violated my federaly protected consumer rights to privacy and confidentialty under 15 USC 1681. 
Account name : # XXXX loan services # last XXXX Account name : XXXX # last XXXX has violated my rights. 
15 U.8.C 1681 secsion 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Secion 2 : also states a consumer reporting agency can not fumish a account without my written instructions.

15 U.S.C 1681e. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 16815-2 ( AX1 ) A person shall not furrish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonabile cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief