vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Coaf XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I submitted a letter to Experian requesting the remove an unverified and fraudulent account. This negative information reported by XXXXXXXX XXXX XXXX XXXXXXXX in the file they maintain under my Social Security number stating I owe {$4300.00}. This is ridiculous.That was over a year ago and the account is still present. I requested copies of the information they used to verify the account and they simply stated the creditor verified the account with a number using e-oscar. Clear violation of the FCRA.

I would like Experian to verify and validate this information with XXXXXXXX XXXX XXXX XXXX and provide me with copies of the following : 1. Original contract 2. Payoff Disclosure 3. Date this alleged debt became payable 4. Complete accounting of alleged debt 5. Interest Rate Disclosure 6. Balance History 7. Payment History 8. Credit Insurance 9. Agreement with your client that grants you the authority to collect on this alleged debt 10. Verification that this debt was assigned or sold to collector 11. Commission for debt collector if collection efforts are successful Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. 

I do not consent to e-Oscar or any other means of automated verification. 

If you do not have this information, please block it from my credit report based on 15 U.S.C. 1681c-2.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I'm attaching my identification info.

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 2022-07-31 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: IL

Complaint narrative:
My name is XXXX XXXX. I have been battling with these credit reporting agencies since XXXX  regarding incorrect information on my reports. I have done all I can do and need help. I've gone to the police and filed a report. I've even gone to the FTC and filed reports but they refuse to do their job. My purse was stolen a few years back at a nightclub and I've had credit issues and ID theft issues ever since. This is effecting my life!!!

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 2022-07-31 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: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act, PennyMac Loan Servicing, 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 cant furnish an account without 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 2022-07-31 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: MN

Complaint narrative:
I have sent a Federal Trade Commission Identity Theft Report to XXXX XXXX, XXXX and Equifax. The following accounts and credit inquiries currently listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent, unauthorized, and not mine : 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, Credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: MN

Complaint narrative:
I have sent a Federal Trade Commission Identity Theft Report to XXXX XXXX, Experian and XXXX. The following accounts and credit inquiries currently listed on my XXXX XXXX, Experian and XXXX credit report are fraudulent, unauthorized, and not mine : Accounts : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX LA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-31 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:
I have been violated for almost 2 years, Equifax, XXXX, and XXXXXXXX XXXX XXXX refuse to remove a hard inquiry on my report. I continue to write letters to them and they still will not remove. I have never applied nor have an account with a XXXX XXXX. I demand a {$1000.00} violation for Equifax, XXXX, and XXXX for violating my rights under 15 USC 1681. inquiry date was XX/XX/2020. Again I have never applied for a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
hello! This was Via zelle! I was scammed by two people claiming to be owners of apartments, at the time I didnt know you couldnt get money back from Zelle if you sent it. Which is a huge bummer. They kept telling me to send them money to see the place and they kept on bailing. I asked to get the money back and they kept telling me to send them more money in order to get money back that was already lost. They then kept telling me they would mail a check out. And they did! But it was fake. I have been struggling for a while ever since losing all of that money. I can barley afford my bills at this point and I dont know what to do to how to receiver all of the money lost. I really need help. Its been a big burden on me. I still have all information of the two individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Received a text message about my credit card informing that I needed to " ( Call XXXX XXXX # ) XXXX-temporarily-locked-ID : XXXX '' Text was sent to cell number at XXXX XXXX XX/XX/2022 I had tried to log into my credit card account and it indicated my information was incorrect, it was not, I then called the credit card company ( different phone number ) and spoke with the representative who informed what I knew to be true about my account, the current balance, pending payments, available credit and that my account was in good standing and not locked..

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 2022-07-31 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: OH

Complaint narrative:
over the last year I have been disputing the inaccuracies on my credit file. I requested the credit bureaus provide verification for accuracy of a some accounts. They completed their investigation several times and stated the companies stated everything reporting was reporting accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. Below are the accounts in question XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX in accordance with the fair credit reporting act these accounts below have violated my consumer rights under 15 U.S.C 1681 sec 623 ( D ) States if information is found to be inaccurate, it must share information with all other consumer reporting agencies 15 U.S.C 1681 sec 602 A. It states I have the right to privacy 15 U.S. C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: ERC
State: PA

Complaint narrative:
I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
My credit report was pulled, with multiple fraudulent reports from a data breach which included my email, social security, bank account, and card information. Ive called to report fraud to companys as well as I did a police report. They directed me here so hopefully I can get some answers so that these items can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: CA

Complaint narrative:
I have been violated for almost 2 years, XXXX, Transunion, and XXXXXXXX XXXX XXXX refuse to remove a hard inquiry on my report. I continue to write letters to them and they still will not remove. I have never applied nor have an account with a onemain bank. I demand a {$1000.00} violation for XXXX, XXXX, and Transunion for violating my rights under 15 USC 1681. inquiry date was XX/XX/2020. Again I have never applied for a 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 2022-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I entered into a consumer transaction with XXXX XXXX aka XXXX XXXX XXXX  XXXX XXXX. I was told by them, that a down payment of {$10000.00} was needed to drive off the lot, and to even be considered for financing. Violation of USC 1692e. The dealership also never informed me of my right of rescission, violation of 12 CFR 226.23 ( b ) ( 1 ). Transparency regarding the process of consumer credit application being a financial asset was never received either, violation of 12 CFR 360.6 ( 2 ), as well as self liquidating paper, violation of 17 CFR 260.11b-6. 

I contacted XXXX XXXX aka XXXX XXXX XXXX  XXXX XXXX by phone, to communicate my observation, and was told by the finance and insurance manager at the time to talk to CAPITAL ONE AUTO FINANCE. I then contacted COAF and the told me to contact the car dealership. As you would assume, I was/am confused and furious, and being misdirected on purpose. 

Around the end of XXXX, beginning of XXXX, I have sent the notice of rescission, right to rescind document to CAPITAL ONE AUTO FINANCE. The response was that I should communicate with the car dealership, and continued to enforce the retail installment contract. 

As I read more of the rescission process, it does say to give notice to the " CREDITOR '' which in this case, according to the retail Installment contract, is XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX recieved my notice of rescission, along with Affidavit of right to rescind. It has been more than 20 buisness days, and I have not recieved a response. They will not answer my phone calls either. I have yet to recieve my {$10000.00} down payment, or any unwinding of any transaction. 

On XX/XX/XXXX, COAF sent me a letter informing me of attempting to collect a debt, and or repossess my property. I am terrified of losing the only source of travel to get back and forth to work and my fear is amplified, even though the contract has been rescinded. There is also no signature on any of these documents, wich is proof none of this is lawful. I feel threatened and at war right now with COAF and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Lastly, I contacted COAF to confirm the information of the letter, and the response was that the loan is under my name and is still owed by me, or XXXX XXXX returns the money to COAF. Unfortunately this all happened on the phone and no paper trail was made for that statement. An additional payment was made on the account in total fear of losing my personal property and I was threatened into doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Received a letter from Credence XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX www.credencerm.com About a XXXX XXXX XXXX bill for {$300.00}. That I do not owe. 

Mail payment to Credence Resource Management , LLC XXXX XXXX XXXX XXXXXXXX, MI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am registering a complaint against The XXXX XXXX XXXX, which owns Synchrony Bank ( SB ) and its subdivision Home DesignXXXX/Synchrony Bank as they put my name and Social Security Number, on an account that I never applied for or consented to open. 
On XX/XX/XXXX when my husband became ill, I found a bill from Synchrony Bank ( SB ) and called them immediately asking why my name was on this bill and asking for any documentation ( written, oral, or verbal ) that they could share with me, as while I am old, I had no recollection of ever opening an account with this bank. After numerous calls I was told I had to pay them, because this was an old account and I should have known that my SSN was being used. So, I again requested any documentation they had on how this account had been set-up. On XX/XX/XXXX I realized Synchrony Bank ( SB ) was on my credit report affecting my credit scores. I called SB to again request a copy of the documentation committing me to a loan agreement. After 6 calls, I was told that to obtain the origination files a written request had to be submitted on forms they would mail. In XX/XX/XXXX the bank had disappeared from 3 credit rating sites. On XX/XX/XXXX, I submitted the required dispute forms. I was told on XX/XX/XXXX that they would respond in 90 days. On XX/XX/XXXX the bank mailed a letter seeking payment. On XX/XX/XXXX I called 4-times and was told that SB did not have the origination files, as they were generated by XXXX XXXX , from XXXX XXXX XXXX XXXXXXXX , a partner of Home DesignXXXX/Synchrony Bank. I was also told that my request had been forwarded to the Fraud Solutions Team. On XX/XX/XXXX, SB sent a letter closing the account, & notifying credit bureaus etc. On XX/XX/XXXX, Synchrony Bank was back on my credit report, as delinquent, making it difficult for me to borrow the funds needed for urgent home repairs. This banking institution is using pressure tactics to make me pay on an account I never opened.

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 2022-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Almost every day for the last month or so I have been getting repeat calls from this number or blocked numbers. I was able to verify that I do not own any debt with them. The callers are extremely rude and prone to use foul language. I live in XXXX and they are looking for some XXXX from another state. 

Portfolio recovery associates XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31 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: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
Hi CFPB, I am having a large issue with my Apple Credit Card.

I have had the card roughly a year. 

I have, and have always used, the full auto payment feature of the card. 

Each month I get statements. 

I have XXXX problems of varying severity : 1. If you add up the new charges on the statements, they do not add up to the amount they say it does 2. if you add up the online transactions they also do not match the statement amount 3. they say I am revolving a $ XXXX balance month to month but I am on full auto pay and can confirm each month it is set to pay the full balance. Even after a month of paying the full balance, they charge me another $ XXXX. It doesnt make any sense. 

4. when I texted them about it, they admitted it was broken, forwarded me to a manager and then the manager said that it is what it is. When I called about it they just hung up on me. Something is wrong. I am a very kind and polite person and this doesn't make any sense. I never was rude or yelled or was expressing my frustration I don't understand why they are treating me this way. 

something is seriously wrong with the apple credit card accounting and I am worried it is costing me hundreds of dollars because of their bug, and nobody in the support teams, not managers, not front line has any answer for it. 

I have more documentation I can upload but it says it has a XXXX limit, happy to upload any and all data : including statements, screenshots, call logs with support, text logs with support. 
I reached out to XXXX XXXX times across chat and phone, each time resulting in either " it is what it is '' or just straight up hanging up on me. which is odd bc nobody was rude, usually if people hang up on you they are rude to you, they just say oh ok I see your statements, then hang up. something is wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 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 explanation