vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
I tried to retrieve my XXXX and Equifax reports from XXXX three times and I've been unsuccesful. I would like to obtain my credit reports online. I want to to pull all three reports from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: ME

Complaint narrative:
I financed a used car purchase through XXXX XXXX XXXX  on XX/XX/2016. I immediately enrolled in auto-pay and made all payments on time for the duration of the loan. With absolutely no notification the company unenrolled me in auto-pay without my permission, and then reported my account as 60 days late. I paid the final payment and closed the account immediately after I became aware of the issue. 

Despite this, the company reported the account to the credit bureaus, and it is still negatively affecting my credit score. I have reached out to XXXX XXXX XXXX  about this multiple times and they have been totally unresponsive.

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have had multiple calls in XXXX, where I explained I was without a job and looking for more work. I do have cards that were open and I was trying to pay them down but with the part time job I have Im struggling to stay afloat now. The company seemed to want to work with me. Then I started to get the auto-dial calls where I would answer and then it be silent for about 10-15 seconds then someone would be there. So I stopped answering. Then today I get a voicemail when I come out of a interview and Im being told in the voicemail I need to get a lawyer and if I dont have one they will help I wish I done my research before going with this company, because there are thousands of reviews on them doing the same thing to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: MO

Complaint narrative:
I did not submitted or requested several inquiries on my credit reports from all 3 credit bureaus. I have multiple fraudulent inquiries on my credit that were not my requests.

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 2022-03-22 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: FL

Complaint narrative:
I'm filing a complaint because TransUnion is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. My Information has been compromised and there has been an account open with XXXX XXXX XXXX  without my authorization. I have contact original creditor and they have a greed and close out the account. XXXX removed the account from my credit on XXXX XXXX and XX/XX/2022 XXXX has removed the account from my credit report. Admission is to deletion, the other credit bureaus have removed it then Trans Union should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Transunion has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Transunion also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. 
During YOUR investigation period, Transunion REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but I was also discriminated because of my tone of voice and said I sound like a female Which is unlawful. Im beyond frustrated and I will like to seek remedy.

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 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. However, such information shall not include specific factual information on a consumers 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 the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22 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: IL

Complaint narrative:
I recently checked my credit report and came across a lot of inaccurate information. 

Accounts that are inaccurate are 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 


A total amount of {$26000.00} is reporting that are 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 2022-03-22 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: CA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Received a notice from TSI that I had a debt from XXXX in the amount of {$47.00}. Ive never purchased anything from XXXX. I called both TSI a XXXX only to receive no actual assistance. If this ends up on my credit report, I will file for damages against either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a complaint on XX/XX/2022. I believe that you and the credit bureaus missed understood what my complaint was about as a CONSUMER I should have rights under the Fair Credit Reporting Act. 

The credit bureau stated that XXXX OF XXXX was verified. 
The problem that I am having is that the credit bureau is reporting inaccurate information and XXXX OF XXXX and the credit bureau doesn't reach the FCRA requirement. This is account is hurting my credit report by having a bunch of inaccuracies which you and the credit bureau not helping resolving this issues. 

XXXX OF XXXX DATE OF LAST ACTIVITY is incorrect but you say it verified but not correcting the information and investigating this account. Also, the BUREAU is REPORTING A PAYMENT HISTORY ON THIS ACCOUNT WHICH FROM MY UNDERSTAND YOU CAN NOT REPORT A PAYMENT HISTORY ON THIS ACCOUNT YOU ARE MANUILCATING THE STATUE OF LIMITATION XXXX THIS ACCOUNT MUST BE DELETED.

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 2022-03-22 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: MD

Complaint narrative:
In late XXXX I received an invoice from Capital One in the amount of {$590.00}. This invoice was paid by me on XX/XX/2022 by my check XXXX XXXXXXXX. In the same envelope as the remittance, I advised Capital One that I had gotten several email messages, ostensibly from Capital One, which were identified by my computer as potentially malicious. Accordingly, I requested that Capital One cease all electronic communication in favor of traditional XXXX. XXXX XXXX 

On XX/XX/2022 I received XXXX e-mails ( not-withstanding my aforementioned request not to communicate by e-mail ). XXXX e-mail acknowledged the request not to communicate by email and included a customer service number. The second email represented that the payment of {$590.00} had not been received, even though included in the same envelope. I followed up with a call to the customer service number. I went through an initial level, and then a supervisory level call. At the end of the day, I was advised, after several internal checks, my check XXXX XXXXXXXX was not in their system. To avoid a late fee or surcharge I was advised to write a replacement check, which I did on XX/XX/2022 ( XXXX XXXXXXXX ). Her rationale was that, somehow, my check had been overlooked and shredded in the mailing envelope. I advised the Supervisor that I would be very upset if both checks were cashed. She agreed with me. 

Both checks were cashed, most recently # XXXX on XX/XX/2022. 

I have a long history as a lawyer invested in consumer protection. I have served as Chairman of the Board of a local XXXX for a major U.S. city and also served as a Board member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and chair of the XXXX XXXX. Frankly, I am very suspicious of these circumstances. My intention is to terminate my relationship with Capital One ASAP. 

Meanwhile, I believe that cfpb should use its investigative authority to investigate the " coincidence '' of 'non-payment ' notices to consumers with duplicate payments which then enable Capital One to effectively us the 'float ' of some of their customers to their own advantage. 

I have copies of the documents which will substantiate these allegiations. 

Very truly, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: COMMERCE BANK
State: MO

Complaint narrative:
My Commerce bank Exceptional Cashier 's checks processed from and XXXX tax form owed to me for one year XXXX XX/XX/XXXX to XXXX XX/XX/XXXX from Commerce bank, not letting me know when they sent the Exceptional Cashier 's checks payable to me. I want to alert me when they have sent them via email. XXXX XXXX cashier 's check should have been mail printed XX/XX/XXXX and mailed on the XX/XX/XXXX in the amount of {>= $1,000,000}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: MO

Complaint narrative:
n accordance with the Fair Credit Reporting Act hard inquires XXXX XXXX ( BANK ) and XXXX ( finance ) posted on dates XX/XX/XXXX and XX/XX/XXXX respectively are violations my rights and is a committance of illegal reporting. These are unauthorized inquiries that I did not initiate. 15 U.SC 1681G ( a ) ( 5 ) States A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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'm filing a complaint because Equifax because this is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. On XX/XX/2022, I spoke to a representative in the consumer affairs department for hour and 46 minutes and I was promised the account will be removed from my credit report. My Information has been compromised and there has been an account open with XXXX XXXX ( Original Creditor : XXXX XXXX  ) without my authorization. I have contacted original creditor and they have agreed and close out the account because I have no signature on file with them to open in any accounts in my name. XXXX removed the account from my credit on XXXX XXXX and XX/XX/2022 XXXX has removed the account from my credit report. Admission is to deletion, the other credit bureaus have removed it then Equifax should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Equifax has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Equifax also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. During YOUR investigation period, Equifax did not REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but they gave me the run around and read of scripts to get me off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did not submitted or requested several inquiries on my credit reports from all 3 credit bureaus. I have multiple fraudulent inquiries on my credit that were not my requests.

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 2022-03-22 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: MO

Complaint narrative:
I did not submitted or requested several inquiries on my credit reports from all 3 credit bureaus. I have multiple fraudulent inquiries on my credit that were not my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. Thanks

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 2022-03-22 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: CCS Financial Services, Inc.
State: WA

Complaint narrative:
XXXX XXXX incorrectly billed me for a homeowners insurance policy. I was unaware this policy was active as I had insurance through a different provider at the time. This policy was cancelled for non-payment in XX/XX/XXXX. The account was then sent to a separate collection agency ( Credit Collection Services ) in XX/XX/XXXX in the amount of {$100.00}. This amount was paid to Credit Collection Services on XX/XX/XXXX as I did not want to risk my credit getting ruined over {$100.00} despite me not agreeing to the actual charge. 

In XX/XX/XXXX I became aware that this account was placed on my credit report as a " paid collection. '' Since then I have spent countless hours attempting to get this removed from my credit, sent multiple supporting documents to both XXXX and Credit Collection Services. Today I received the attached letter from XXXX stating " this bill was sent in error and requested have been made to remove the bill and any ill effects it has caused from your credit report. '' I called Credit Collection Services on XX/XX/XXXX and spoke with XXXX at Credit Collection Services who stated " It is company policy that we do NOT remove any collection accounts from the credit report. '' He further stated that " The best we can do is state the collection account is paid in full. '' I asked him to confirm that he understood the original creditor ( XXXX ) has stated the account was sent to their office in error and he confirmed he understood. He checked with a " supervisor '' and came back on the phone stating the company policy is to NOT remove collection accounts under any circumstances.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation