vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I signed up for a card during the checkout process because I thought it was a membership rewards card, not a credit card, and the clerk was being insistent after I had already declined it several times. It wasn't immediately clear that the " Kohl 's Card '' I was being offered was not just a store membership. I did not realize until after the transaction was complete that I has signed up for a credit card. Right after leaving the store I immediately called the customer service number listed on the card information packet I received with my receipt. I asked to cancel the card application, and was told that the application had already been processed and approved, so it was too late to cancel. 

I did not want or intend to sign up for a credit card. By having the whole application and approval process take place during the checkout process, there is no chance for customers to actually make an informed decision. 

On review of the receipt, it looks like the entire transaction was charged to the credit account that I didn't mean to open- I had my personal credit card inserted in the POS system at the time of checkout and thought I had been paying with that. Now I might owe a balance for a credit card account I didn't even intend to charge to. 

This occurred on XX/XX/2022 around XXXX at the Kohl 's in XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ) My call to customer service was at XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 a 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 2022-05-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed inaccurate inquiries on my report and I would like these removed. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi Bank credit card Mastercard. XXXX I went to Florida and when I came back I wanted to pay the bill. I paid {$1900.00} minus the 3 rental cars from XXXX XXXX. Called fraud and guy told me that one of the girls added two more cars instead deleting them. Car was {$200.00} x 3. They refused to delete them all. XX/XX/XXXX to XX/XX/XXXX. In the meantime before I knew they were investigating the cars I put XXXX in XXXX. When I realized Citi was giving me a hard time I looked to transfer {$300.00} into XXXX  XXXX XXXX. It took XXXX  days to transfer. Unfortunately it past my time on Citi card. To pay them. Waited two days and I had to pay a late payment {$4.00}. so I paid it. In XXXX. Finally XXXX  XXXX XXXX did the transfer and paid Citi credit card. I looked at the bill XX/XX/17 to XXXX. They still will not cancel the car and add {$300.00} on to the {$200.00} plus fees of {$29.00} and fees {$4.00}. total {$540.00}. I have been calling them all the time they will not correct it. Also they keep asking everytime I call my birthdate. I am to old ignore her??? Good question. In the meantime XX/XX/17 to XXXX I spoke with a lady and I told her I do not them anything. She said yes you do. I said prove it lay it out for me. She said you {$300.00} and {$300.00} total minus {$540.00} leaves you with {$300.00}. I told her should go back to school and take math. I hung up I have been at this for XXXX months none at Citi card listens or can add and subtract I am still fighting. I do not know what to do. 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 monetary relief
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I have received repeated calls all day long every hour since XXXX this morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Accounts below 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 a account without my written instructions. 

Collection Accounts : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$540.00} XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$250.00} XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$2500.00} XXXX XXXXXXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$550.00} Credit Cards : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX  Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$330.00} Closed XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed Loans : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$4600.00} Closed Public records : XXXX  XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Dismissed and Closed State XXXX XXXX XXXX XXXX  Date reported : XXXX XXXX XXXX Amount : {$0.00} Closed and Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Accounts below 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 a account without my written instructions. 

Collection Accounts : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$540.00} XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$250.00} XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$2500.00XXXX XXXX  XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$550.00} Credit Cards : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$330.00} Closed XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed Loans : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$4600.00} Closed Public records : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Dismissed and Closed State XXXX XXXX XXXX XXXX Date reported : XXXX XXXX XXXX Amount : {$0.00} Closed and Paid

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 2022-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have assumed a debt and I want the updated information posted to my credit file. 

Information, and proof of ownership is attached.

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 2022-05-21 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # Beginning in 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Capio Partners, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # Beginning in 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
This hard inquire on my credit report are not mine and need to be taken off of my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
This hard inquire on my credit report are not mine and need to be taken off of my 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 2022-05-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX ( Bank ) XX/XX/202, XXXX XXXX ( Bank ) XX/XX/2021, XXXX  ( Bank ) XX/XX/2021, XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Auto ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/20XXXX XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX ( Finance ) XX/XX/202 XXXX XXXX XXXX  ( Finance ) XX/XX/20XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX  ( Auto ) XX/XX/2021 XXXX XXXXXXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX ( Bank ) XX/XX/202, XXXX XXXX ( Bank ) XX/XX/2021, XXXX  ( Bank ) XX/XX/2021, XXXX ( Bank ) XX/XX/2021 XXXXXXXX XXXX ( Auto ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/20XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Auto ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 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 a 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 2022-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS

Complaint narrative:
XX/XX/XXXX : Document 1 : Insurance Billed for {$2000.00} for emergency Physician Patient responsibility for {$100.00} XX/XX/XXXX : Document 2 : {$100.00} Billed to patient.

Document 3 : which was paid by Individual through XXXX. Account. 
Doc 4 : XX/XX/XXXX : Insurance denial for {$1600.00} for duplicate Physician change Doc 5 : XX/XX/XXXX : another bill from XXXX XXXX XXXX for XXXX emergency Physician on XX/XX/XXXX. 
Doc 6 : XX/XX/XXXX : Insurance denial for {$1600.00} for duplicate physician charge. I called to make sure that I could ignore this. XXXX  representee said yes because I would not be held liable for a duplicate charge. XXXX would take care of it. 

Doc 7 : XX/XX/XXXX : YES 18 MONTHS LATER. Received letter from Wakefield and Associates stating that I owe them {$1800.00}. 
I contacted a XXXX at Wakefield and Associates who had to give me information about what the billing was for. I then dug up all my old medical documentation and contacted XXXX. XXXX stated that they would take care of it and contacted XXXX of Tennessee. ( see email in Document XXXX ). I did not hear from the collection agency, Wakefield and Associates, after I got this email from XXXX Kansas. I figured that the issue had been resolved. 
Doc 8 : XX/XX/XXXX : Email from XXXX Doc 9 : XX/XX/XXXX : Forwarded email from XXXX  to Wakefield and Associates. 

Didn't hear anything back- so I figure this was resolved. 

Doc 10 : XX/XX/XXXX : Received another letter from Wakefield and Associates. I did not follow-up on this letter, because obviously it didnt help last time. 

XX/XX/XXXX : I am now reporting them to Consumer Complaint because evidently, they are really trying to double charge people. It is a good case that I keep all these records, otherwise they might get away with double charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt has to do with an apartment lease that the apartment complex broke in XX/XX/2020. A company that buys debt from apartment companies called National Credit Systems has posted this debt on my XXXX Credit report has described the debt as " XXXX at XXXX XXXXXXXX XXXX  '' and listed the debt amount as {$2500.00} I was current on my lease, reported my HVAC unit had broken in the middle of the summer on a Friday afternoon and even though the apartment complex had an after hours repair people, they did not fix my HVAC system until the following Monday. As they had broken the terms of the lease agreement and after that, I could not depend on them to honor the terms of the lease, I moved out before the end of the lease as the lease was, at that point, invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
Sentry Credit Inc just recently within the last couple of days reported an account for {$200.00} to all three ( 3 ) credit bureaus which in turn caused a collection account affected my credit rating and showing a have a bad debt. The original creditor was the XXXX XXXX, in which I never lived here I applied for an apt back in XXXX of XXXX. The administration and application fee was {$200.00} in which I paid via my debit card. I called the apt complex at least 6 or 7 times to check on my application status and this was over a two ( 2 ) week period even left five plus voicemails. I even stopped by the office and they had a note stating you had to call they were not allowing people in the office because of COVID. The apt complex never processed my application or returned a phone call. At this point I had been waiting over two weeks for an application to be run and processed. I called once more and left a voice mail stating you all never processed my application so I would like a refund for the {$200.00} I paid. I waited another ten days still no response from this irresponsible company. I did the best and correct thing, I contacted my bank and filed a dispute for a refund due to me not receiving the services I paid for. This company not only sold my info but allowed a credit agency deemed my credit file for a debt that I dont owe. This is my first and last time disputing this with Sentry even though they never sent anything in the mail but slapped this incorrect debt on my credit file. If this debt is not removed from credit filed and zeroed out and the account is not closed immediately, I will be filing sue against The XXXX and Sentry for court cost, damages, unlawful and unfair practices. Also, for time off work to go file a sue plus gas and mileage to get to the court house. I take this very serious I dont owe this company any money at all

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 2022-05-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The creditor WELLS FARGO clearly stated that the potentially negative reporting account on my credit report was to be removed. This account is continued to be reported to my credit report. This account is also reporting inaccurate information. The credit bureaus have been taking over 30 days to investigate this. This violates my rights as a consumer in accordance with the Fair Credit Reporting Act. This continued negligent reporting has been harming my livelihood as a consumer.

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 2022-05-21 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: TX

Complaint narrative:
The creditor XXXX XXXX clearly stated that the potentially negative reporting account on my credit report was to be removed. This account is continued to be reported to my credit report. This account is also reporting inaccurate information. The credit bureaus have been taking over 30 days to investigate this. This violates my rights as a consumer in accordance with the Fair Credit Reporting Act. This continued negligent reporting has been harming my livelihood as a consumer.

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 2022-05-21 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: OK

Complaint narrative:
I opened a dispute with Experian on XX/XX/2021 against XXXX XXXX XXXX, once I learned about a line/phone opened with XXXX XXXX XXXX XXXXXXXX XXXX The disputed case # XXXX. I filed a police report as well and submitted this with the dispute to Experian. I am still showing the account is in collections with XXXX XXXX XXXX  and that Experian deemed it accurate. This incorrect and I feel that Experian is not protecting me, even after going through the proper steps, I am still stuck with a bill from some fraud activity on my XXXX XXXX XXXX account. I did not do this and I need someone to help me resolve this.

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 2022-05-21 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: OneMain Finance Corporation
State: ND

Complaint narrative:
XXXX XXXX  has reported an inquire that i do not recognize! Need it to be removed.

Company response to consumer: Closed with explanation