vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had applied for unemployment for the XXXX XXXX relief but never received a card for the XXXX XXXX relief but I received paperwork that I used it and even a XXXX for taxes I burly found a way to find out if I could receive my money that was issued to me by the government so here I am trying to see if it's possible to get what was granted to me since someone else used it like if it was there money XX/XX/2020 is when they received the money and I don't know how long they continue to receive it.

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 2023-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America
State: TX

Complaint narrative:
company trying to collect a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I have attempted to contact the fraud department several times with the UpStart Loan company to report a personal loan that was taken out under my name and information, however I have not received any calls back despite attempting to contact them. I have spoken directly to customer service representatives on XX/XX/23 and XX/XX/23 who advised I would receive a call back, but have not been contacted at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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 XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have a right to pivacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting can not furnish a account without my written instruction.

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 2023-01-07 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: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A States I have a right to pivacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: GA

Complaint narrative:
I reviewed my Experian credit report and I noticed several fraudulent accounts opened in my name without my consent. I am a victim of identity theft and I am requesting for Experian to block and remove these fraudulent accounts upon receiving my attached XXXX Police Report and FTC Identity Theft Report within four days. I did not benefits from any goods or services of these fraudulent accounts. I also included letter that I received my XXXX XXXX XXXX stating for this fraudulent account to be removed. I also never had any affiliation with XXXX XXXX XXXX XXXX. I never opened any type of checking or saving account with this institution. 

My rights have been violated and I am requesting for these fraudulent accounts to be blocked and removed under FCRA 605B within four days : 1. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I applied for a business credit card with AMEX, before the application they told me they will not pull a hard inquiry but they did put a hard inquiry on my credit report. also, they denied my application saying I have too many inquiries on my report but I have only 2 inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of XXXX XXXX XXXX. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. 
I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from XXXX XXXX XXXX. 
Please investigate this matter and have them delete the disputed item ( s ) IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of XXXX XXXX XXXX. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. 
I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from XXXX XXXX XXXX. 
Please investigate this matter and have them delete the disputed item ( s ) IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of XXXX XXXX XXXX. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. 
I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from XXXX XXXX XXXX. 
Please investigate this matter and have them delete the disputed item ( s ) 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 2023-01-07 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 intrested in disputing all incorrect information on my credit report with Equifax. checking my credit profile ive noticed a lot of invalid data that is hindering my file. please update all information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
XXXX and XXXX placed a collection on my credit report in the amount of {$190.00}. I never received a written notice about this debt to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  has violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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 explanation
Consumer complaint received 2023-01-07 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: NY

Complaint narrative:
I was reviewing my credit report and noticed that there are unauthorized inquiries between the three credit bureaus. 

It appears as if on XX/XX/XXXX someone tried to apply for lending in my name with all three bureaus. 

As you can see, I have a very limited and responsible credit profile. 

I disputed this with the bureaus on XX/XX/XXXX and all letters were received XX/XX/XXXX by USPS XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX and never got any response back. 


I have asked the bureaus to either validate or completely remove these inquiries and they have not done so. This has been 2 months now. They are coming up as mortgage companies and I have never applied for a mortgage before, have never even considered it. It is the only inquiry on my credit report in the recent future, I applied for a XXXX charge card right before, that is the last valid inquiry on my report. 


Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Companies - Finance XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was reviewing my credit report and noticed that there are unauthorized inquiries between the XXXX credit bureaus. 

It appears as if on XX/XX/XXXX someone tried to apply for lending in my name with all three bureaus. 

As you can see, I have a very limited and responsible credit profile. 

I disputed this with the bureaus on XX/XX/XXXX and all letters were received XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX and never got any response back. 


I have asked the bureaus to either validate or completely remove these inquiries and they have not done so. This has been 2 months now. They are coming up as mortgage companies and I have never applied for a mortgage before, have never even considered it. It is the only inquiry on my credit report in the recent future, I applied for a XXXX charge card right before, that is the last valid inquiry on my report. 


XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX 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 2023-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According tp 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 

Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
In XXXX Fay Servicing force-placed insurance on my mortgage account totaling almost {$7500.00} ( see attached ). This is due to an error in their system of my property address which was supposedly solved in XXXX with a prior CFPB complaint # XXXX ( see attached ). I also had to deal with this in 2021, which I was able to solve working with the XXXX 's office at Fay. I have always had and continue to have insurance on this property. I don't know what else to do considering that it continues to happen every 6 months. I am worried that at some point over the next 28 years of my mortgage I may miss these letters and end up with them taking back the property. Additionally I am beginning to wonder if this is not intentional because the interest rates increase with late payments in this loan. I don't know, but I am angry that I continue to deal with this problem and requesting it fixed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
We attempted to get a card through the referral procees but had lot of issues. We even called in and received Wrong Information which caused us to open the wrong card because the link was wrong. I called multiple times to try to resolve capital one sent us in circles then asked for us to reply and we couldn't get the card based on the wrong information we received the first time. If we were not deceived or told wrong things on our first card we wouldn't have been declined. But due to the wrong information we applied for the wrong card and that interfered with the Ventura x card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: FL

Complaint narrative:
I took a personal loan to pay off some credit cards, but did not close those accounts. The credit on those cards is still available. The credit bureaus are lowering my XXXX XXXX, even after I now have more availability. The credit scores should increase. This needs to stop.

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 2023-01-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my EXPERIAN credit report, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must REMOVE all negative and adverse remarks. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts listed above. 

Please be aware that all negative remarks found on my credit report are violations of the FCRA and FDCPA when you can not furnish the validity of the remarks. I am not in dispute of the ownership of the accounts but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the accounts from my credit report. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All-Natural Inalienable Rights Reserve

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 2023-01-07 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
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 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

RMP Services LLc account # XXXX RMP Services LLC account # XXXX

Company response to consumer: Closed with explanation