vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
Inaccurate inquires listed on my report 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 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 2023-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have had my truck loan through Capital One for 3 years now. I have been repeatedly told by Capital One that I had a 10 day grace period beyond the 30 days. Capital one has repeatedly reported my payment late even though I pay within my grace period. I am trying to get a home loan and this is stopping me from getting it. I have XXXX XXXX helping me with this. Granted they have helped with moving a payment or 2 to the end of my loan, but that doesn't fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: United Revenue Corporation
State: TX

Complaint narrative:
I sent the credit bureaus a verification letter about some collections that appear on my credit reports. They never reply back to me but I did notice that they took action and they erase debt on some credit bureaus reports and the debt is still in others. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Says : 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. 


Accounts : United Revenue Corp / XXXX / XXXX Balance / Date : XX/XX/XXXX United Revenue Corp XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX There's Also some debt that stills shows up on my XXXX report that I would like for you guys to check cause they don't show in my other credit reports. It is hard to provide info about this ones cause they don't show name orita dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX XXXX Of XXXX XXXX XXXXXXXX XXXX XXXX sc XXXX and I am a living human being with my right given to me by being born in the united states of America by the fcra and the federal facts act, right that have been continuasly violated by all three cra, 's the the government intentity that was formed to stop such oppressions have aided in the abuse of power by the cra 's this complaint is against equifax . 

****Reason :! month ago my credit score was XXXX today it rests at XXXX wich is XXXX diffrance that being said my credit report with equifax has * no bankruptcy *no collections *no late payments/past or presant I have an bsolutly flawless credit report with equifax yet my score has dropped XXXX points and they have given me XXXX for an explanation in fact I have talked to about 6 or 7 diffrent supervisors and about 20 or so customers service agents asking for help and they all say the same thing after examining my report. 
and i quote " XXXX XXXX we do not have access to your credit score but if you are dsaying on the equifax website it is XXXX, Let me tell you i see no reason for your score to be that low .I see right here that when you say in fact your score was indeed XXXX '' After being told that over and over i can be heard on recording explaining to them that something must be done i wrecked my truck and new to secure nerw financing on a vechile and am told and i quote " XXXX there is nothing i can do evidently there is a glitch in the system and you must wait 30 days for it to pass '' i explain that i dont have 30 days i have to find a vechile now i need to work and pay my bills and that equifax issues the score there musst be someone that they can point me to for help with this, a number i can call a diffrent office and am told time after time and i quote '' XXXX i sugest you wait 30 days for the system glitch to fix itself there is nothing more anyone here can do for you have a nice day '' This is hurting my family i cant work because i cant get a vechile i have spent {$1100.00} but i am out of money now mortgage due next week no vechile to go to work, i just bought a house is equifax going to reimberse me these funds and pay my mortgage while i wait for their glitch to fix itself?????? I fear we may have a problem like last year where equifax is issueing the wrong scores for people I need help or i will have to go to the news with this i cant lket their glitch ruin everything i have worked for please help and please have them pay the damagesw done thus far

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC
State: AR

Complaint narrative:
On XX/XX/2022 I financed a rainbow XXXX  and power nozzle from Preferred Credit LLC. On the bottom of the contract that I signed it clearly stated that I had a 3 day return policy. On XX/XX/XXXX I contacted the seller of the rainbow and told her I wanted to return it, she said she would come pick it up and in the mean time I sent over certified mail of written statement that I was canceling the contract. The rainbow was returned and Im still getting charged for the rainbow although I no longer have it in my possession, they have put a big impact on my credit, Ive called Preferred Credit LLC and they have been no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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:
I've been dealing with disputing inaccurate information and accounts on my credit file with them for over six months, and still no improvements. When I log into my paid credit file subscription it shows that I have NO collection accounts, and when I call the customer service dispute department, the customer service representative also confirms that I have NO collection accounts on my Equifax credit file. But when I'm applying for credit, it reported me having a list of COLLECTION AGENCIES on my credit file. Please see the attached documents showing the inaccuracies. One document shows that there are NO collections on my credit file but when informed by other creditors, it's reported to them as COLLECTIONS AGENCIES on my credit file. The other documents will show the names of the collection agencies. I've been battling this issue for over six months and want the inaccurate information DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am not sure if I chose the correct complaint- here is what happened. 
My husband. XXXX XXXX XXXX passed away on XX/XX/2022. XXXX had a few credit cards on his own and I called everyone of them a few days after his passing to notify them all. Each creditor asked if there was an Estate and I told them no. I was told by every creditor that is debts would be forgiven and I mailed all of the a copy of XXXX 's certified Death Certificate. 
I received in the mail from 3 of his Citibank Creditor 's a 1099-C for each of these accounts ( attached ). I immediately tried calling their Recovery Dept and was on hold for hours days at a time, with no contact from them. I sent them a letter ( attached ) dated XX/XX/XXXX, the day after receiving them and still have heard nothing. He had approximately 5 store credit cards and the other 2 creditors never heard from them again. This is going to pose a huge tax implication to me and they will not respond. I am shocked that I received these as he was making payments on these cards and then to have been told that the accounts would be forgiven. I would greatly appreciation your assistance. In my time of grief and having to deal with this, is horrible. Thank you. 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 2023-04-03 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: VA

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 confidentiality under 15 USC 1681. XXXX XXXX XXXX : ACCOUNT # XXXX, both XXXX  ACCOUNT # NOT SHOWING, XXXX XXXX  : ACCOUNT # XXXX, XXXX  XXXX : ACCOUNT # XXXX, XXXX XXXX XXXXXXXX  : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # information is incorrect delete account. 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 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.

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 2023-04-03 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: VA

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 confidentiality under 15 USC 1681. XXXX XXXX XXXX : ACCOUNT # XXXX, both XXXX  ACCOUNT # NOT SHOWING, XXXX XXXX  : ACCOUNT # XXXX, XXXX  XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # information is incorrect delete account. 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 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.

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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
the police report has been flied And National Audit has received a copy of the flied police over a month ago now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: NJ

Complaint narrative:
Experian is showing on my report 16 late accounts. I have never been late on any account prior to my XX/XX/202XXXX XXXX XXXX filing. I have not been able to reach anyone as their automated system doesn't allow me to speak with a person.

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 2023-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I am self employed and often work remotely outside the reach of phone service or internet. I asked for an address and addressee of Shellpoint Mortgage Servicing, a division of NewRez, so I can send certified or registered mail to a person in change and or send me payment coupons so when I am out of service so to speak, I can interact in a secure way and assure that payments are made and received with a chain of evidence that such things took place ( return receipts, registered and certified mail receipts ). They said they can not do it that way, all I can do is mail or make online payments in checks money orders or wire transfers. This is an un workable option for me. They have no recourse for my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Comerica
State: OH

Complaint narrative:
I was living in XXXX XXXX from XXXX XXXX XXXX and the people I lived with stole my direct express card and now I have no way to report it as a fraud. I called the social security office and they aren't receiving any new calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Multiple calls per day attempting to collect payment on a loan less than 30 days overdue. Phone carrier flagged these as spam due to number of attempts. 

Multiple attempts on : Tuesday XX/XX/23 - XXXX and XXXX Wednesday XX/XX/23 - XXXX, XXXX, one attempt at XXXX Thursday XX/XX/23 - XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Two charge adjustments have been added on my account. These charges were disputed back in XX/XX/XXXX with XXXX XXXX XXXX  XXXX card ( now taken over by Comenity Bank ) and credited back to my account at that time. I never made these purchases ( nor had my wife ) and dont understand how these charges were put back on my account after so much time without even an explanation. I spoke to a Comenity representative by phone on XX/XX/XXXX and gave my information regarding the charges. I also canceled both my cards at that time. I have also notified XXXX about these erroneous charges as well and was told that they will alert the other agencies.. 
Charge amounts were & XXXX and {$330.00} both dated XXXX. Started dispute with XXXX XXXX XXXX at that time. Dispute was noted on my next statement, XX/XX/XXXX. 
Never heard another word from XXXX XXXX XXXXXXXX nor Comenity until my XX/XX/XXXX statment. 
Just charging me! No mention of the dispute outcome, name of scammer, nothing! 
Very unhappy with the way XXXX  XXXX XXXX handled the change over. I just received a letter from Comenity today claiming they had sent the incorrect reward information on this change over - after they advertised at the time that the rewards were higher than XXXX  XXXX XXXX! Also, Comenity will not pay out my rewards earned on the card and XXXX  XXXX XXXX never disclosed that I would need to claim them by a certain date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 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: LA

Complaint narrative:
I didnt keep track of the dates but for over three weeks Ive been reaching out to them to correct my name some how a XXXX  was added to my name Ive sent two faxes with all the info and nothing I also sent a certified letter requesting that they remove that XXXX  off my name because I cant apply for credit because its not my name nothing I keep calling Ive sent all the documents that they need I get from them when u call they havent received the documents are that they havent uploaded its on going and its really sad that the consumer has to go through all of this to get something so simple taken care of Im at my end with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: VA

Complaint narrative:
I am writing to request that you remove the following inquiries from my credit report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, 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 2023-04-03 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: LEXISNEXIS
State: MT

Complaint narrative:
I filed a letter with XXXX in XXXX  a year ago letting them know they were in violation of15 US CODE 1681b ( a ) ( 1 ) ( 2 ) as i never gave them permission to report a bankruptcy on the credit report, i mailed them a letter from the bankruptcy court that said the court does not publish or sell that information. so the only way XXXX & lexis nexis could have obtained my social security to verify it was me is if a third party obtained my information and social security number illegally which is identity theft and fraud. 2nd XXXX is in violation of 15 US CODE 1681e ( b ) for accuracy as XXXX XXXX XXXX and XXXX  are reporting completely different information about the bankruptcy and debts and collections. all of the collections were not authorized by me i never gave them permission to report these accounts. Lexis Nexis is also reporting incorrect information.

Company response to consumer: Closed with explanation