vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 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: GA

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My credit limit is {$500.00} only. I have requested for increase in limit for years. I have a very strong credit with XXXX XXXX score have never delayed a payment. Over the years I have opened a few new credit card accounts the other banks have over the period increased my limit to XXXX. Despite several requests, the bank has not increased the credit limit in line with my credit profile and they keep changing the reasons of decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XXXX XXXX I started working with an individual to assist on my behalf of A few accounts that are errors on my credit report. It has been almost XXXX  months and still the same results. These are all errors XXXX XXXX XXXX {$550.00} XXXX, Equifax XXXX XXXX XXXX {$850.00} XXXX, Equifax, XXXX XXXX XXXX XXXX {$470.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: TX

Complaint narrative:
As of XXXX XXXX I started working with an individual to assist on my behalf of A few accounts that are errors on my credit report. It has been almost 10 months and still the same results. These are all errors XXXX XXXX XXXX {$550.00} XXXX, XXXX XXXX XXXX XXXX {$850.00} XXXX, XXXX, Experian XXXX XXXX XXXXXXXX {$470.00} Experian

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 2022-11-26 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$230.00}, XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: CA

Complaint narrative:
I have recently reviewed my credit report and notices some unauthorized accounts on my credit report. Under 15usc 1681 a.3, you assumed this role without my permission. not only did you not have my consent, you did not respect my right to privacy, which is 15usc 1681 a. 4. You did not exercise your grave responsibility, your were unfair and impartial. 

XXXX has yet to verify or sent verification of a debt that was disputed. with There company. 
I sent validation letters to the credit bureau asking them to send proof/ validation of debt, I have yet to receive any sufficient proof of debt. 
They also failed to remove the information from my credit report during the " investigation process '' while trying to validate my debt. 

They have provided no substantial proof of debt. Nothing with a signature, contract or any other information that states I owe this company any money. These actions were taken over the last few year and I'm sure they have record of the disputes on file. 


THE ACCOUNTS ON FILE FOR EXPERIAN : XXXX XXXX XXXX XXXX FOR {$2300.00} FOR XXXX IT IS XXXX XXXX XXXX FOR {$2300.00} ALSO FOR XXXX : YOUR ONLINE SERVICE ISNT WORKING FOR MY ACCOUNT AND THIS IS PREVENTED ME TO MONITORING, USING AND ACCESSING MY CREDIT!

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 2022-11-26 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: AR

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute with the trans union, XXXX, and XXXX concerning XXXX bankruptcies on my report each XXXX XXXX came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. XXXX requesting form each company to delete this from my file if they cant provide me with XXXX 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 2022-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I have been having a recurring problem with American Honda Finance failing to process my payment checks in a timely manner. For this month 's bill, the statement arrived on XX/XX/XXXX and my payment due date is XX/XX/XXXX. American Honda Finance has routinely taken between XXXX to XXXX business days to process my payment check, even though I mail it in the day that I get my bill in the mail. 

This has led to multiple occurrences of American Honda Finance not crediting my payments until after the due date has passed even though payment was mailed far in advance of the delivery time required by XXXX. As an example, in XXXX I mailed my monthly payment on XX/XX/XXXX, but American Honda Finance did not process my check until XX/XX/XXXX, nearly XXXX weeks after I had mailed it. No other company I have an account with struggles to receive and process my monthly checks, this is an issue I have only encountered with American Honda Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00XXXX XXXX XXXX XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXXXXXX XXXX XXXX : {$58.00} ; XXXX  XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$310.00} XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.

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 2022-11-26 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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXXXXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$58.00} ; XXXX  XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/2022 I called and spoke to an Edfinancial agent about requesting a refund of payments made during the pandemic. I have called repeatedly because I have yet to receive a refund. On my 4th call I was told that the refund was sent to the department of the treasury on XX/XX/XXXX. My loan amount has not changed. Nobody can give me any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00}

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 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Two transactions were made with my debit card information on XX/XX/XXXX. The transaction ID belonging to XXXX. I did not make these transactions. I had my debit card at the time of purchase. I do not even know who XXXX is. The transactions amounts were for {$40.00} and {$20.00}. I immediately reported these transactions to Chime Bank and they made me wait until the transaction cleared to dispute it. Upon clearing I disputed the transactions and my requests were denied within 6 hours. Upon further investigation this scam is common among Chime users and everyone 's experience is the same as mine with Chime declining these disputes and not blocking this company from making withdrawals from people 's accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute with the XXXX XXXX, Equifax, and XXXX concerning 2 bankruptcies on my report each one one came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. Im requesting form each company to delete this from my file if they cant provide me with Tia information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: GA

Complaint narrative:
I submitted a dispute with the XXXX XXXX, XXXX, and Experian concerning 2 bankruptcies on my report each one one came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. Im requesting form each company to delete this from my file if they cant provide me with Tia 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 2022-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lac Courte Oreilles Financial Services II
State: LA

Complaint narrative:
I opened a line of credit with Eloanwarehouse XX/XX/2022. Right after, I lost my job so I sent a revocation of XXXX letter. The company is NOT supposed to debit my account but today, XX/XX/2022 without warning, they took XXXX from my account which overdrafted my account. I would like all of my money plus banking fees returned Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I have disputed this account Wakefield and Associates with XXXX and XXXX earlier this year and they still fail to verify this account. The account is reporting inaccurately on my consumer report which is unacceptable. Since they have continuosuly ignored my request, this account should be deleted. 

Original Creditor : XXXX XXXX XXXX Third party collector : Wakefield and Associates Amount : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I received a gift card with a balance of {$100.00} and I verified the balance as soon as I got it, once I tried to use it it was declined, when I check the balance online it said it was used online for the entire amount. I opened a dispute on XX/XX/22 and sent the dispute package on XX/XX/22, via fax and at least 10 more times via email, however after calling several times to inquiry about the status, they are stating they are still waiting for the documents and closed my case. I called several times and spoke with numerous os representatives overseas that hung up on me or said I have to wait 14 more days.

This people are stealing the money and they are not doing anything to recover the funds.

I spent over 2-3 hours on the phone every time I call for nothing. They stated I cant talk directly with the dispute department neither with a supervisor. 
Please, is there any way I can recover the funds? This company has the visa logo and they are not doing anything to stop fraudsters or to recover the funds for the real clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: FL

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$460.00}, XXXX XXXX XXXX  XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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