vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 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:
I sent reports to all three credit bureaus three times and explained to them that my name is reported incorrectly. Here 's the list of inquiries : Item 1 : My name is not correct on my credit file. The correct name is XXXX XXXX XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please correct the information that is on my report because it is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not authorize or open any new account with this vendor. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help in this matter.

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 2022-12-15 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: TX

Complaint narrative:
I sent reports to all three credit bureaus three times and explained to them that my name is reported incorrectly. Here 's the list of inquiries : Item 1 : My name is not correct on my credit file. The correct name is XXXX XXXX XXXX Please remove XXXX XXXX. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vendor. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help in this matter.

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 2022-12-15 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: LEXISNEXIS
State: PA

Complaint narrative:
15 USC 1681- We have a right to privacy and companies have no permission to report anything on a credit report with identifying information. Pursuant to18 USC sec 8 & HJR 192- All Debt is a government obligation. No notification was given to me on what would be reported monthly to the bureaus. I contacted the bankruptcy court and they verified that they DO NOT report their activities due to privacy. I contacted ALL 3rd party credit bureaus with the letter from the bankruptcy court and they refused to remove it from my credit report. This is a direct Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 has reasonable cause to believe that the information is inaccurate. 

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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, 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 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I called Barclay 's in early XXXX to increase my credit line on my card. They increased it to {$10000.00}, I enrolled in the 0 % APR until XX/XX/XXXX at this time. When I received my XX/XX/XXXX Statement it doesn't show on the bottom that I owe {$1500.00} at 0 % APR like other credit card statements that I've had in the past. So I called Barclay 's and the agent said that the offer is not activated on the account and they couldn't back date the offer to be placed on my account. I told her that I wouldn't have took a hit on my credit bureau to increase my credit line if I didn't activate the offer. She said her hands were tied. So on XXXX I made the full payment so I don't have to pay interest on the account. Today, XX/XX/XXXX I receive an email ( attached ) that my 0 % offer is still active. When I phoned into to confirm the first rep stated I didn't have this offer on my account, I asked to speak to a supervisor, when she pulled up my profile she said she sees the offer and it expires on XX/XX/XXXX. I asked her where on my XXXX statements does it show that the {$1500.00} was at 0 % she said it wouldn't show, I will have to call in to see when the APR expires. So now I paid the {$1500.00} in advance and lost out on using the promo. I think this is an error on how Barclay 's statements and how their agents are trained how to see offers on customer 's profiles. I asked for a refund of my {$1500.00} payments so I can break the payment until XX/XX/XXXX they said no they can not. They literally advertised and offer and didn't provide proper documentation for me to understand my payments.

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 monetary relief
Consumer complaint received 2022-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This compliant is regarding Capital One Credit Card dispute Case # : XXXX Card issuer did not resolve the dispute case for transaction billed in the amount of {$21.00} on XX/XX/2021. Capital One Credit Card is consistely unwilling to asssit with dispute cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jacob Law Group, PLLC
State: TN

Complaint narrative:
The debt popped up on my credit report I never open this account I explained this to all three credit bureaus and sent proof of address that I live in a different state and never lived at the addresses they have on file I sent pictures of my identification ss number everything I keep asking this collector to validate the information or send me proof that I opened this account and they havent sent me any documentation so by law I asked them to remove the collection they havent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. My information was compromised by equifax breach in XXXX and XXXX breach in XXXXMy information has been handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collections have a big impact on my credit score and need removed.I request proof of debt.And request removal because all 3 credit agencies are not reporting same accounts time, accounts information, or acount debts Information reported must be accurate. 

XXXX Reported : XXXX XXXX, XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Agency have take too long to conduct their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( A ), I have sent letters to XXXX, XXXX and Equifax. XXXX and XXXX have sent letters back but the incorrect information was not fixed at all. Equifax has not responded at all and its been more that 30 days its been 90 days and it is still negative incorrect information on my credit report. This is beyond ridiculous and unacceptable! They continue to report harmful stuff on me and violating my rights. Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted a letter for validation/correct information over 30 days ago with no response.

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 2022-12-15 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I mailed all paperwotk and payoff amount on XX/XX/XXXX via certified mail Delivery receipt on XX/XX/XXXX I called on XX/XX/XXXX to inquire of status and was told odometer disclosure was invalid due to handwritten correction. I resent via docusign and received email confirmation of receipt. 

On XX/XX/XXXX the check that was mailed o XX/XX/XXXX was cashed. 

On XX/XX/XXXX i again called to inquire status and was told the odometer disclosure was never received. I once again submitted via docusign and received email confirmation of its receipt. 

On XX/XX/XXXX I called again for a status update and was told odometer statement was received XX/XX/XXXX on still in process. He placed a rush request and estimated i would receive the week of XX/XX/XXXX. 

On XX/XX/XXXX I called to check status and was told it was still in process and would have on XX/XX/XXXX. 

On XX/XX/XXXX i called for status and was initially told they were still awaiting the odometer disclosure. I read the timeline at which point it was acknowledged that all paperwork was in order. I am still on phone with supervisor to determine why i have not received my title and sale documents. I am unable to register my car for nearly three months after payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Self Financial Inc.
State: PA

Complaint narrative:
NOT MY ACCOUNTS i sent a letter on XX/XX/2022 to XXXX XXXX XXXXXXXX its been XXXX than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: LA

Complaint narrative:
On XX/XX/2022, I received a threatening call from ERC a debt collection agency for AT & T, I told them I never had an account with either XXXX of them. Caller on the phone started screaming and yelling over the phone, told me to do what I have to do. If I didnt pay them theyll make sure it will damage my credit, I disputed this transaction. And now filing a formal complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: AL

Complaint narrative:
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
Consumer complaint received 2022-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Today, I called Navient today and spoke to a representative named XXXX. I called regarding being apart of the settlement. She said if I dont receive anything by the end of XXXX to call. She said someone would call me today about an application. I was confused until she said Navient would pay {$38000.00} and I would pay {$2700.00}. The plan is {$270.00} twice and {$59.00} over 36 months but I would have to make a payment that day or the settlement would be void and would be put in collections/default. I told her my account is already in debt consolidation so they will be paid. She said she did not care and it wasnt in collections even though it was sent to collections in about XXXX? She then threatened my SSDI by stating if its not paid, Navient is allowed to garnish my SSDI. My SSDI is all I have for income. I have it in debt collection for a reason. I have a witness who overheard the conversation : XXXX XXXX. If she takes my SSDI then XXXX be homeless and wont be able to survive. She didnt ask my income into consideration until I said something and told her that I would only live on {$800.00}. She said well this is the only payment plan I can offer for the settlement. I told her I would rather just the check and she just hung up on me without discussing the second settlement since we figured the address for the Navient settlement. I feel like I am going to lose my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hi To whom it may concern : On XX/XX/2022 I received my SOCIAL SECURITY INCOME DIRECT DEPOSIT In the amount of {$1000.00} I had some funds available so total {$1200.00} then I transfer {$600.00} to my savings account so left the balance of {$680.00} so i made a payment to my QUICK SILVER CREDIT CARD That i have with Capital One in the amount of {$250.00} wish the claim that when they tried to withdraw the funds from my checking account is was insuficient funds in the amount of {$190.00} but still the available was not showing in my account money dissapear mistyriously. Also I made a payment on my Electricity in the amount of {$79.00} and the claim it was insuficient funds as well. My brother alert me that it may be hackers who transfer the funds. And the bank should be responsible for the money and replaced it to me. Capital One closed both credit card but did not replace the funds back to me eventhough I call to file a claim with the claim department on XX/XX/2022 and another payment in the other credit card also with Capital One in the amount of {$150.00} wish they received This is all for now. until this day I did not received my funds back to my checking account so I call the Social Security Administration Office and alert them to change my direct deposit. I don't trust any of these banks expecially if they are not responsible for fraude or hackers teft. 

XXXX XXXX

Company response to consumer: Closed with explanation