vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: TX

Complaint narrative:
I am writing about a XXXX credit  card account that was opened without my knowledge. Someone used my SSN to open this account and I have complained to XXXX  and EXPERIAN, XXXX multiple times to delete this account from my credit report because I did not open it but till today nothing has been done The XXXX credit card was opened XX/XX/2018 and has a balance of XXXX BANK NAME : ACCOUNT NUMBER 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 2023-06-07 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: CO

Complaint narrative:
XX/XX/XXXX After being denied credit I called Experian. I discovered my credit file had 2 Pins attached to it and was advised that was probably the source of creditors turning me down due to not being able to access my file ; it should only be 1 unique PIN associated.

The above issue was the catalyst for my noticing 2 fraudulent inquiries on my credit file. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX ( I've never done business with this company ) XXXX. XXXX XX/XX/XXXX I advised Experian Rep to dispute the fraudulent transactions and place a fraud alert on my credit file immediately.

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 2023-06-07 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 sent a letter out on XXXX to XXXX, XXXX, Equifax and XXXX here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to and how did they complete this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
On XXXX XXXX charged my Capital One card {$180.00} for a defective product subscription that I had already canceled due to its failures. 

I disputed that fraudulent charge with Capital One which provided a temporary credit. However, on XXXX Capital One fraudulently posted a {$180.00} PURCHASE ADJUSTMENT without notifying me. 

When I discovered this Capital One failure, I immediately contacted their dispute department with proof of timely cancellation during free trial and confirmation of that timely cancellation from XXXX. 

The Capital One rep state that he would E-mail me a link to upload the XXXX written confirmations. He failed to do as he stated. 

I called back and spoke with another Capital One rep who stated that a letter would be mailed to me with instructions to upload the XXXX written confirmations. That never happened either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank Calls My Phone XXXX times or more daily. I repeatedly tell them this is not the phone number for XXXX despite that they call again. XXXX may have used this number for a reference I do not know but they refuse to delete my phone number. They refuse to stop harassing my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: NY

Complaint narrative:
I have paid off my lease. The title was sent at the end of XXXX. I noticed today that my home and billing addresses were not correct ( missing street number ) for some reason. I never filled out the address for this online account. This is an undeliverable address. 

I need the title ( time sensitivity ). After contacting Hyundai customer support, they said that it could take up to XXXX  days to have this reconciled, and I do not have the time. I need assistance in getting the title ASAP.

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 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
- [ ] XXXX mortgage statements and foreclosure notices immediately XXXX originally al payment, the accidental death insurance we were charged for never enrolling, enrollment form included. 
XXXX mortgage statements from XXXX MD XXXX 
XXXX begin seeing statements from XXXX NJ, every month no payment received notice on the XXXX th! Coming from yet another Wells Fargo company in SC. Also no payments sent on the XXXX of each month no matter. XXXX day grace period. Multiple mortgage statements for XXXX month with h conflicting amounts. How can you receive a monthly statement dated the same as the payment noted on mortgage statements? XXXX along with the XXXX accidental death insurance, not authorized, the late payments on top of late fees, and out of no where random amounts due in the other charges on the mortgage statements XXXX the numerous payments made to Wells Fargo, to be told to login to the email address ; XXXX. Its yet another law and reason Wells Fargo has been fined multiple billion dollar fines on top of the multiple million dollar fines for all the illegal activity and actions by Wells Fargo and employees and their sub companies. This is just a minuscule amount of paperwork we were bombarded with by Wells Fargo home mortgage, in MD, NJ, SC, ID, CA, thats only a few states they have operations in.

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 2023-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted XXXX, XXXX and transunion about the error on my account multiple times, last time being a letter sent in XX/XX/XXXX and just recently in XX/XX/XXXX. An apartment complex ( XXXX XXXX XXXX XXXX XXXX ) exposed me to toxic mold and agreed to not charge me for leaving early if I didn't sue them for the XXXX XXXX XXXX I was experiencing. They still sent a charge of about {$2400.00} to collections. They refuse to show me documentation explaining why these charges are legitimate. It has impacted my credit score since XXXX and has damaged my financial future since as it is the only mark on my credit score and it was my first apartment.

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 2023-06-07 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: FL

Complaint narrative:
I contacted XXXX, equifax and XXXX about the error on my account multiple times, last time being a letter sent in XX/XX/XXXX and just recently in XX/XX/XXXX. An apartment complex XXXX XXXX XXXX XXXX XXXX XXXX ) exposed me to toxic mold and agreed to not charge me for leaving early if I didn't sue them for the XXXX XXXX XXXX I was experiencing. They still sent a charge of about {$2400.00} to collections. They refuse to show me documentation explaining why these charges are legitimate. It has impacted my credit score since XXXX and has damaged my financial future since as it is the only mark on my credit score and it was my first apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/23 I have followed up with this complaint that has been ongoing for the last XXXX months. Everyone in the bank divisions in the USA and abroad has been passing the buck. 

Some one used my information and opened an account with FifthThird Bank. I contacted the bank and explained that I was not aware of the problem until I received a statement saying that I owed money. I called and told the bank that someone must have committed fraud using my name and information. I asked them to close whatever accounts they have in my name and to not send me a replacement card or anything. I told them that I did not have a desire to do any business with their company at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
On XX/XX/2023 and again in XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
On XX/XX/23 or XX/XX/23, I called LRS following up on a letter I received regarding a medical debt sent to them for collect, asking for additional information on the debt owed. I also asked for information on the debt collection process for future reference should I actually owe the debt. 

Between XX/XX/23 and XX/XX/23, I received multiple calls from LRS attempting to collect the debt even after verbally requesting more information on the alleged debt on previous calls. 

XX/XX/23 - I contacted LRS in writing that my clinic had no record of me owing any debts previously, currently, or sending any debts to collections. Also included " If you believe that I am still responsible for this debt, please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt. If you are reporting this information to a credit bureau or have already reported it, report that I am disputing this debt. '' Between XX/XX/23 and XX/XX/23, I received daily calls ( sometimes multiple a day ) from LRS attempting to collect the debt even after communicating I was disputing the debt and requesting proof of the debt owed. 

XX/XX/23 - following a call from LRS that I answered, I contacted LRS in writing and reiterated that I disputed the debt and to report that to any credit bureaus to which they may be reporting the information. 

XX/XX/23 - I received an itemized bill, which included appointment dates, doctors, and the appointments purportedly owed for these appointments. 

XX/XX/23 - I asked in writing how to pay the amount and if there was an option to do so online. 

XX/XX/23 - After not hearing back from the company, I followed up in writing asking for the same information from my XX/XX/23 communication. 

XX/XX/23 - I followed up in writing for the second time asking for the same information from my XX/XX/23 and XX/XX/23 written communications. 

XX/XX/23 - I followed up in writing for a XXXX time in a XXXX attempt to pay the debt I purportedly owe ( I still do not believe I owe the debt, but I would simply like it off of my credit report at this point ).

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 2023-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I closed both my checking and savings. However, citibank reopened my savings and took out XXXX to my other bank, XXXX. I sent it back so they could close it and yet they still won't close it. It's either that they close it for sometime and then it shows up as blocked account now. I can tell because when I call online and put in my Social security and my pin number, it shows a XXXX balance, meaning my savings account is still open. On XX/XX/XXXX, I went to a local branch and tried to get the teller to close my account and I signed a paper. Then, they didn't close it on XX/XX/XXXX, so now I went back on XX/XX/XXXX where they now showed my account as closed after I told them. however, today on XX/XX/XXXX, Citibank shows my account as now blocked but not closed.

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 2023-06-07 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: PA

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 XXXXhas violated my rights .

They are reporting a lot of inaccuracies and I am fed up! BY LAW this is wrong.

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 2023-06-07 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: PA

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 XXXXhas violated my rights .

They are reporting a lot of inaccuracies and I am fed up! BY LAW this is wrong.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: GA

Complaint narrative:
I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct. 

Unauthorized items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: GA

Complaint narrative:
I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct. 

Unauthorized items 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 2023-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I was told I was getting the car for XXXX or so but the paperwork that was sent to me by credit acceptance was way over XXXX or so .. and they will not work with me on my payments they will not refinance to help me get my payment monthly down.. they have called after I was late on one of my payments saying they would come repo my car... I have told them that there is over 5 recalls on this car and I have been waiting for over 4 months to get the parts so the XXXX people can fix it .. and two of the recalls are on my airbags they are nonfiction at this time and that my traction and stabilization unit is not right so therefore whenever it rains the car tends to want to slide to one side or another and it tries to pull to one side or the other .. very dangerous.. they still said they couldn't help me or let me try to get another car that does not have dangerous recalls on it..

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