vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-17 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: LA

Complaint narrative:
There is an installment loan from a company called XXXX on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.

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 2022-04-17 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: LA

Complaint narrative:
There is an installment loan from a company called XXXX on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: LA

Complaint narrative:
There is an installment loan from a company called XXXX on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.

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 2022-04-17 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: MS

Complaint narrative:
Regarding TransUnion giving away my 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 non-monetary relief
Consumer complaint received 2022-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2022 I requested a balance transfer from my capital one credit card to my XXXX XXXX credit card. On XX/XX/XXXX, I realized I had used the virtual card number for capital one instead of the actual account number. I called XXXX XXXX to do a stop pay on that paper check. On XX/XX/2022, XXXX XXXX reissued the balance transfer to capital one on my request this was done as an electronic funds transfer and it happened instantly. Both the paper check and electronic fund transfer were for the exact same amounts ( {$2900.00} ). I have called capital one multiple times but they tell me that they have never receive the EFT, and that they only have receive the paper check with the stop pay. I currently have two debts with two different banks for the exact same amount, when I should only owe XXXX XXXX. I have provided capital one with the trace number and my issue has still not been resolved. It is impacting my credit score at this point and I am now at the point where I may need to find a legal representative to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: NC

Complaint narrative:
I disputed a account on XX/XX/22 which was a week that account was paid off and closed. I then reached out to XXXX to confirm this information and they mailed a letter stating this account was paid in full. When trying to dispute the account again in XXXX it still didnt update my report. Now its almost XXXX and that information still reflects incorrectly on my account and I am trying to open a business and obtain a loan and this is interfering astronomically.

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 2022-04-17 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
New information I sent a debt validation letter on XX/XX/22 the alleged debt amount is {$800.00}. I was never notified as a consumer that this debt was sold or transferred to a debt buyer/debt collection agency. This is a violation of my consumer rights per FCRA, XXXX. The notice that I received in reference to this alleged debt is not considered a validation. I also noticed on this form it shows a car that I never owned. Thats considered Fraud. I been disputing this account over a year and this is the first time receiving what they considered debt validation. Please see 15 USC 1681. Your company has violated my consumer rights.This account was deleted and put back on without notifying me as a consumer. Caine & Weiner letter dated XX/XX/22 which is also a violation.This is a violation and I will be seeking remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are two accounts from Capital One reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity. I also submitted a direct dispute to Capital One. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. I also see that a remark has been added " account previously in dispute, now resolved ''. I am in complete disagreement as I do not believe my issue has been resolved. 

If these accounts were closed because they were charged-off, how can they report a charge-off each month? These accounts are repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. 

How can these accounts be reporting without showing the date they were closed? If the date closed is not reporting, then it is unverified information. 

I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the Capital One accounts on my credit report are reporting inaccurate and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtor in writing before placing account on consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
New information I sent a debt validation letter on XX/XX/22 the alleged debt amount is {$800.00}. I was never notified as a consumer that this debt was sold or transferred to a debt buyer/debt collection agency. This is a violation of my consumer rights per FCRA, FCDPA. The notice that I received in reference to this alleged debt is not considered a validation. I also noticed on this form it shows a car that I never owned. Thats considered Fraud. I been disputing this account over a year and this is the first time receiving what they considered debt validation. Please see 15 USC 1681. Your company has violated my consumer rights.This account was deleted and put back on without notifying me as a consumer. XXXX XXXX XXXX letter dated XX/XX/22 which is also a violation.This is a violation and I will be seeking remedy.

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 2022-04-17 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: GA

Complaint narrative:
New information I sent a debt validation letter on XX/XX/22 the alleged debt amount is {$800.00}. I was never notified as a consumer that this debt was sold or transferred to a debt buyer/debt collection agency. This is a violation of my consumer rights per FCRA, FCDPA. The notice that I received in reference to this alleged debt is not considered a validation. I also noticed on this form it shows a car that I never owned. Thats considered Fraud. I been disputing this account over a year and this is the first time receiving what they considered debt validation. Please see 15 USC 1681. Your company has violated my consumer rights.This account was deleted and put back on without notifying me as a consumer. XXXX XXXX XXXX letter dated XX/XX/22 which is also a violation.This is a violation and I will be seeking remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My complaint is, a few months ago I went to check out options of buying another car, & the dealership I went to, ran my credit NUMEROUS times. ( XXXX XXXX XXXX in XXXX, CA XXXX ) On different occasions & days I werent even in the dealership. Checking credit ONCE is useful enough to see a citizens financial background & what they qualify for. NUMEROUS times is outrageous & unfair since these inquiries ARE NOT soft. They sit on the credit for years & weigh it down. Ive spoken to them beforehand when I noticed multiple inquires on my credit when checking Experian, and all they told me was we have to keep checking to see if can offer you a deal. It was extremely unprofessional and not informative in any way because clearly my credit is going to remain the same OR DROP each time you do a HARD inquiry on it. It was completely unnecessary and they shouldve let me be aware because I clearly wouldnt have stayed for business. This is the only dealership thats ran my credit way too many unneeded times.

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 2022-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Services placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: Experian Information Solutions Inc.
State: GA

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


XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX, XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX. 
Account number XXXX Account name XXXX XXXX Account number 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 2022-04-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for unemployment XXXX XXXX started working and never received any information regarding unemployment benefits so I just disregarded it. My mail box was broken into. This was reported to the post office. I never received a Bank of America Bank card for my unemployment benefits. Someone completely took control of the account. They somehow got the Bank card and all of my information. They assigned an email I am not familiar with and even changed the address through unemployment. Meanwhile, {$8000.00} was paid out to the theft. Once I found out this information I filed a fraud claim with unemployment which hasnt been resolved yet. I filed a fraud claim with Bank of America which I included a statement and documents of proof as well as police report and they denied my claim three times. Bank of America said that the transactions that were made were not suspicious. How the heck is getting a XXXX XXXX  every single pay day from unemployment not suspicious. If you look at how I use my card now that I actually have it, there is a huge difference! I post my bills and grocery shop and etc. I just want the money owed to me

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 2022-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/2021 there was a cash amount of {$100.00} by XXXX deducted from my debit card. I have tried calling them several times. Reply was leave a message after the beep. I called my card at Direct Express and started a dispute on XX/XX/XXXX On XX/XX/XXXX I recieved a document from the bank stating they have determined that no error occured.They said if I wish to continue the pursuit of this claim to seek reimbursement directly from merchant. On XXXX XXXX a cash amount of {$120.00} was deducted by XXXX XXXX XXXX I tried calling them several times. Reply was leave a message after the beep. I reported these both to my bank on XXXX XXXX.I recieved a dismissal for both disputes on paper by mail. No explination other than merchannt involved ( plural ) provided documentation that indicates transactions were conductrd with my authorization.I have never heard of or have i ever done any business with either merchant ever. The bank originally put the monies back on my card in XXXX to then subtract the monies in XXXX. On XXXX XXXX I ordered a bottle of XXXX, buy one get the second bottle free which had a money back garuntee included. The only reason i ordered them was because of the garuntee. I called the number provided and ordered and paid for one bottle for the amount of $ XXXXThe following month im looking at my transaction history and there is a charge of {$110.00} from them. I called and told them about the charge and they said i didnt cancel my subscription. This was the first time the word subscription had ever been used. I ordered over the phone. There was never anything about a subscription. I also told them i was unhappy with thier product. There garuntee was that i would loose weight and i had not lost any. The relunctantly reversed half the amount back to my card. I then called the bank and disputed the other half on XX/XX/XXXX. The bank denied the claim saying there was no wrong doing and to go after the merchant if i wanted to proceed.It was denied in writting by mail XXXX XXXX. The merchant should be also reverse the original charge of {$59.00} for satisfaction garuntee. Ive been a customer of Direct Express for over 15 years and made many disputes in the past for them to be denied. This is the first time Ive gotten online to see what rights I have. The bank will not listen to any of the information i had gathered after the denial. I dont even have a drivers liscense but yet they are saying i rented a car. Also the rental of a cabin and a car but niether merchant required any deposit or hold for there property. Its apparent it was not me. i have records from the bank proving i was in my hometown. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Calvary Portfolio Services placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I applied for credit from One Main Financial and was turned down. Later over the next 2 months my credit was run again and again. 

I sent them a letter and they never responded. I called their local XXXX office and they didn't know what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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 filed an FTC Report regarding the fraudulent/unauthorized inquiries on my credit report. I have attempted to fix this issue with Equifax multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: MD

Complaint narrative:
Found out that even after our XXXX XXXX XXXX mortgage account has been removed from Equifax, changes to our scores are still happening when it seems we're trying to refinance and get away from them. This is an action that we're well familiar with, and it happens EVERYTIME there is a credit inquiry that appears as Refinancing attempt. 

The credit apps sends out warnings when there are changes to my credit reporting. The most recent alert shows what normally happens after there is an mortgage inquiry. Equifax ( only ) score dropped by XXXX points. The app also shows what caused the drop. It is showing my XXXX XXXX account, had an {$92.00} increase. This is not possible considering the last reported change to the XXXX account was in XXXX. So why would an increase take place a month after the last reporting. The app also shows The inquiry that was believed to be a mortgage company. 

Now, Equifax had previously informed me that they had removed the entire XXXX XXXX XXXX account, so we wanted to see if XXXX XXXX XXXX  would still have access to our Equifax credit reporting and that was confirmed by the changes. 

In no way should the score continue to drop simply from an suspected mortgage inquiry, that's usually only a point or two drop. I've had it drop as much as XXXX points in the past, but mostly on XXXX only. I also have recorded more than XXXX changes that happens mostly on Equifax from two separate mortgage servicers ( one being XXXX XXXX XXXX ). 

We have been made aware that the credit bureaus are being used to exploit us using predatory practices. And what really reveal things, the score drop only happened on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: FL

Complaint narrative:
Experian has recently posted within my account that there have been a number of credit card debts building in my name. I was never notified of these charges. It was only that I was able to see these charges from XXXX on their website now in XXXX. Because of this error on Experian 's part, my credit score has been stuck at a low number and my ability to participate and obtain the XXXX loan was restricted. 

The unknown charges are as follows. 

XXXX - {$510.00} XXXX- {$530.00} XXXX - {$510.00} XXXX- {$500.00} XXXX- {$500.00} XXXX- {$510.00} XXXX - {$530.00}

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 2022-04-17 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: MN

Complaint narrative:
I have filed and attached my FTC Report regarding the fraudulent/unauthorized inquiries. I have attempted to fix this issue with TransUnion multiple times.

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