vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: NY

Complaint narrative:
My name is XXXX XXXX, I was not a person who believes in using credit cards and I always used debit as a primary payment method. Until recently my wife and I are planning on buying a house, so I checked my credit report and realized I have been a victim of identity theft for many years. I found two fraudulent accounts, one is a charge off from Bank XXXX XXXX in the amount of {$11000.00}, the other is an account in collection by XXXX XXXX XXXX originated from XXXX in the amount of {$4500.00}. Additionally, there's also two fraudulent hard inquires from XXXX XXXX and XXXX. 

It is a grave mistake on my part to not close guard my credit as seriously as I should, until it became a giant road block on my path to finally become a homeowner and realizing my American dream. Identity theft has put me in a very tough situation, I hope we can get the fraudulent activities off my credit report as soon as possible. 

Thank you, 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 non-monetary relief
Consumer complaint received 2022-08-23 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: DISCOVER BANK
State: AR

Complaint narrative:
I call and make my payments to XXXX and pay my balance every month over the automated service system and sometimes a real live agent. 

The XXXX XXXX change hands to XXXX XXXX  XXXX XXXX over 6 months ago. I called the credit card company and talked to a customer service rep to update the banking information with the new banking XXXX information the account number staying the same. 
I made several payments after that date using the automated system and a live agent. 
When I called my payment in XXXX to the automated system the bank account they charged was to XXXX XXXX since to my knowledge it was changed in XXXX. 

Discover credit card is stating its a NSF charge it could not have been charge to that account because the bank account under XXXX is non-existent it would not be allowed to be processed. 

I have called many times and ask for them to refund the NSF because it was there error.. 

There were given permission bank in XXXX to remove the XXXX banking information and added the new banking information to XXXX XXXX XXXX XXXX XXXX. XXXX refuses to refund the {$29.00} fee. 


Im am elderly and I need my money returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I sent XXXX XXXX a letter requesting validation of the debt. All they sent me was a contract with electronic signatures. This is not sufficient proof. Anyone can submit an electronic signature. Also there wasn't a chain of custody or any other documents they should've receive from the original creditor. 

They are also attempting to collect interest on this account which I know for sure is illegal because the original contract they sent did not have any language saying interest could be collected. So it is illegal for XXXX XXXX to charge me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: DE

Complaint narrative:
I paid my account in full, and have the receipt and proof of this account being closed. 

It is still being reported on my credit report, and I wish for it to be deleted immediately. 


Creditor : XXXXXXXX XXXX  Debt Collector : XXXX XXXX XXXX Amount : {$99.00} Account number on XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/XXXX my wife sent a total of XXXX through XXXX using my account. As soon as she informed it was a scam I immediately contacted XXXX and was told to contact my bank. The following morning I went to the bank in person and was informed since it was an unauthorized transaction I would be able to file a dispute and receive my money back. However unfortunately a week later I received a letter saying No action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: FL

Complaint narrative:
I am currently trying to refinance my home and the mortgage company is unable to pull my Equifax credit score. I had this issue a few months ago when another lender tried to pull my score for a loan and said there was a freeze or lock on my account. I had contacted Equifax numerous times and explained the situation and was told there was no lock or freeze on the account and that there should be no issues. The lender tried to pull the score again and had the same outcome. I contacted Equifax again and they advised me to fax in a cover letter, social security card, etc. and explain the situation. Again, I was told there was no issue. My lender has to pull from all three bureaus and this is holding up the process. This has also kept me from obtaining other loans in the past. I really need this issue resolved as soon as possible as I am under time constraints from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: FINEX Group LLC
State: NJ

Complaint narrative:
this company predators Lending to small business running small business due to the need of cash flow Fenix XXXX XXXX. Take the small business their daily cash sale come through the credit card the is the way they estimate for collect from the bank account MONDAY through Friday if is a holiday on next payment withdraw double collect payment same day it is so hard for small business to handled that daily. I had a small balance of XXXX they repossess my bank account and credit card processing and XXXX and business account attacking with attorney to appointment that refuse to settle to a reasonable amount that company tried so hard negotiate for them since this loans aren't regulated by Banking this company Fenix capital predators lender. 
I have included another lender XXXX XXXX predators lending too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MS

Complaint narrative:
Lease buyout  completed XX/XX/XXXX, no title as of XX/XX/XXXX. Numerous calls to Hyundai finance with escalations and emails to title dept. Hyundai finance states they are waiting on dmv. I called dmv and they said they have received no request for anything since the vehicle was paid off. Dmv states last request was in XXXX. Hyundai states last request was in XX/XX/XXXX to correct some discrepancy from when i moved to different state. So the numerous calls i made since buying out car about the title was info from XXXX with no new inquiries to the dmv from XXXX. XXXX says they are waiting from XX/XX/XXXX for the dmv to tell them what they need to correct title. I got through to dmv today...

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 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hi, I have been working with Capital One on a fraud account that was opened by my ex fianc in my name. He opened up with account without my permission or knowledge and quickly racked up around {$7000.00} on the card. I found out about it through a credit monitoring account. I have provided Capital One with a police report and also two letters proving that I was not around or able to make charges during the time when most of the charges were made. It not only took extremely long for Capital One to get back to me when I first reported it, they never even sent me an update. I found out the status through pulling my credit report that they were holding me responsible. I then refiled the fraud complaint, provided all of the information around where I was during the time the card was being used but they are still holding me accountable stating that I opened the account. My ex was able to open the account because one of those mail flyers came in the mail and he has all my information plus knows how to sign my name. I did not open this account and will not pay them for this. Their customer service has been ridiculous and has taken almost an entire year to sort through this only to tell me, no they are holding me responsible. I am absolutely disgusted with their lack of investigating and outcome of this. I found out my ex was even having the statements sent to his email so I wouldn't see them! They should have this in their system showing who they were going to, right?? I am a single mother, and I can't afford to pay nearly {$7000.00} for something that I did not do. Capital One needs to take responsibility for sending consumers these old school flyers allowing people to have these accounts opened up by scam artists. These days these shouldn't even be lawful. Fraud is so prevalent that I am shocked these are still used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX # XXXX, DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, SXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX # 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 2022-08-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX # XXXX, DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # 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 2022-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
My Covid partial claim submission was closed on XX/XX/XXXX as incomplete. I sent every item they asked for by : 1 ) Loan Solution portal upload, found in the 'Documents ' section with time and date stamp, starting in late XXXX. XX/XX/XXXX and XX/XX/XXXX 2 ) by email to XXXX ( 3 times, and once from an alternate email address of mine, see # 4 ) 3 ) resent same emails and attachments on XX/XX/XXXX, included XXXX XXXX ( XXXX ) in email as well. XX/XX/XXXX 4 ) Same emails and attachments sent from XXXX XX/XX/XXXX 5 ) fax number XXXX on XX/XX/XXXX with 10 attachments. XX/XX/XXXX. Sent 3 times. I have proof of successful submission I also included to XXXX screengrabs with time and date stamps to show the multiple submissions. I still received threating correspondence about not complying and giving documentation. 

I have requested to speak to a supervisor 4 different times to understand why they keep saying I am not complying. XXXX ( employee ID XXXX ) is her name. Each time I was promised a call back within 3 business days. She never did so. 

My file was closed on XX/XX/XXXX as incomplete despite the ample evidence that I have sent and continue to send everything requested, using multiple forms or communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I have been in contact with XXXX XXXX regarding fraudulent purchases made on my account on new cards issued that were never activated by me and never once left my house. The fraud department was able to take care of a few, but not all of the charges. I have called MANY times ( 11 times as of today ) and sent a letter certified mail outlining the fraud, dates and store locations.

I was relieved when it appeared a couple weeks ago that they removed these charges, but when I logged on today, they had been added back. I called the fraud department again today, the 11th time, and was told they called me and that I hung up on them, which is a flat out lie. I would NOT do that as I want this resolved and there is no record on my caller ID of them calling on XX/XX/22 as they said they did. 
I cancelled all the cards. I would like this resolved since it is an almost {$2000.00} ding to my credit report. Here are the fraudulent transaction details : XX/XX/22 XXXX  XXXX XXXX XXXX {$400.00} XX/XX/22 XXXX  XXXX XXXX XXXX {$500.00} XX/XX/22 XXXX  XXXX XXXX XXXX {$510.00} XX/XX/22 XXXX XXXX XXXX XXXX {$500.00} I would like XXXX  XXXX to remove these charges imediately and permanently from my account. I never made them and if they did some investigations, they would easily tell that they weren't my charges as I mostly buy from them online and NEVER for purchases that cost this much. It is CLEARLY fraud.

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 2022-08-23 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: Siggi LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as latte for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as latte for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have told the original creditor, XXXX XXXX and the debt collector, LVNV Funding LLC, several times that this is not my credit card nor my debt. I have no knowledge of this account. I have disputed this several times but nothing happens. This has to be an identity theft situation. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: FL

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-23 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NM

Complaint narrative:
Attention : Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Via Hand Delivery On or about XX/XX/XXXX, I received notification from my Attorney that there was an item on my Credit Report that is not valid. 

On XX/XX/XXXX I contacted the Creditor JEFFERSON CAPITAL SYSTEMS and discussed this matter. 

During the conversation ( AUDIO RECORDING ATTACHED ) THIS IS THE ACTUAL CALL https : XXXX? XXXX & XXXX As you will notice, the company stated that 1. They Acknowledged that NO DEMAND LETTER WAS SENT TO MY ADDRESS 2. They Violated the FCRA by reporting a disputed illegal purchased debt against my credit profile, based on the fact that I was never notified of the claim. 

Their internal account number data is : DEBT DESCRIPTION : XXXX XXXX ACCOUNT : XXXX CURRENT CREDITOR ( XXXX PURCHASE OF XXXX ACCOUNT ) JEFFERSON CAPITAL SYSTEMS LLC XXXX REFERENCE : XXXX AMOUNT OF THE DEBT : XXXX XXXX This is being submitted to the CFPB prior to the Filing of Federal Litigation. 

I ask that you compel this company to follow the law and LISTEN to the ACTUAL CALL. 

We have the actual transcript of the call. 

This is the actual PODCAST of this ILLEGAL EVENT THAT HAS BEEN SYNDICATED Regards XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: LEXISNEXIS
State: TX

Complaint narrative:
Good afternoon CFPB I wish it didn't come to this I took the liberty of trying to fix the issue with LexisNexis Customer Center first before turning to the CFPB for help even though I have no formal agreement with them. 

On XX/XX/2022, I submitted a formal letter to LexisNexis Customer Center via certified mail the number is XXXX XXXX XXXX XXXX XXXX. 

In this letter I requested all original documentation and proof of my express written consent to Lexisnexis giving permission to share with non affiliated 3rd parties. Further I notified Lexisnexis my desire to opt out from my personal information reporting, in accordance with the Gramm Leach Bliley Act. 

On XX/XX/2022, it was confirmed that someone had been picked up at the post office on behalf of LexisNexis. As of now, XX/XX/2022, I still haven't heard back from the business. Nor have I received my LexisNexis report that i requested on XX/XX/2022 My financial reputation has been damaged, as a direct and proximate result of the actions by LexisNexis. These actions meet the essential elements of a libel lawsuit. I'm looking to the CFPB for help in getting a response from this company explaining why they are harassing me, violating the GLBA, and not complying with my request.

Company response to consumer: Closed with explanation