vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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: Capital Accounts, LLC
State: MD

Complaint narrative:
CAPITAL ACCOUNTS Original creditor : XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$880.00} Original balance {$880.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info NameCAPITAL ACCOUNTS Original creditor : XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$880.00} Original balance {$880.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name CAPITAL ACCOUNTS Address XXXX XXXX XXXX XXXX, TN XXXX Is everything correct? 
CAPITAL ACCOUNTS Address XXXX XXXX XXXX XXXX, TN XXXX Is everything correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I recently filed identity theft, and have retrieved FTC report. There are unauthorized inquiries on my account that I do not recognize. 

It seems my credit was fraudulently, and ran without my consent to multiple companies for the purpose of an auto loan. 

I have not given my wet signature authorizing any company to access my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 168b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-08-04 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 had filed a New edd application and when i logged in my old bofa account i noticed transactions made during the time i was incarcerated and i gave no one permission at all to use it.my card was at home and my info is in my living room where i live so idk if someone found where i wrote my pin and found the card anyhow the reason they denied me was misinformation the person helping me on the claim never told me to send any documentation over .therefore denied me the dates of my incarceration are from XX/XX/2021 XXXX thats the farthest i can go within the year. ..my ex knows my information but she said shes not responsible if they were too look into the cameras they will see its not me on the cameras i told them this.the amount was around XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: WA

Complaint narrative:
Have called transunion, XXXX, experian about mis information and unauthorized reporting done to my reports. I would like all collections and inquiries removed from my credit report. I have gave no consent or authorization for this information to be reported in my credit reports.

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 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marauder Corporation
State: MO

Complaint narrative:
I sent a certified XXXX letter to the business on XX/XX/2022, it was accepted at the place of business on XX/XX/2022. The company then in turn sent an email on XX/XX/2022 which violates the terms of the letter I sent on XX/XX/2022. The letter clearly defines a legal notice under the FDCPA that I refuse to pay the debt because it is not valid. The account information is being reported to credit reporting agencies and the letter clearly demands the business stop and remove any and all negative and false accusations against the consumer. This is a direct result of Identity Theft. The business has of XX/XX/2022 not followed the guidelines outlined in the letter sent.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/2022, I went to XXXX XXXX in XXXX XXXX, MO. I had paid the credit card off in XXXX, so there were little to no charges on the card at the time, and we purchased a total of XXXX items ; litter box, dog shampoo, dog brush, cat litter, and refreshing animal spray, and nail trimmers. I was charged {$250.00} for the original price ; however, the rewards were added to the wrong account, so they refunded the purchase. We did the transaction again ; this time, rewards were not added to the purchase, so the cashier refunded my card again. Finally, the final purchase was {$220.00}, which would be correct. When I received a statement for the credit card, there was a total of {$820.00} which showed four charges of {$250.00} and one charge of {$220.00} within the same day around the same time. I called the credit card company immediately, and the first representative called me a liar and accused me of trying to steal items, the second time, we were told it was a store issue. I called the store and spoke with the store manager ; he explained that there was nothing he could do on his end because he had only seen the refund and one transaction. I called the credit card company again and was still told we would have to speak with the store. A week or so later, I called the credit card company again, and we started a dispute ; nothing has been done so far. We then called again today, on XX/XX/XXXX, and the first rep spoken to was rude which seems to be common with this company. Finally, the final rep was kind and told us to try this since we were not getting anywhere with the store or credit card company. What was a {$220.00} purchase that resulted in charges over {$800.00}? I am being charged interest on this and still required to make payments even though these purchases are incorrect. This company has hurt my credit, caused too much stress, and all around is not helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. 

I no longer live at the following addresses. Please remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Consistent on time payments with Capital One Auto Finance. This account was opened XXXX closed in XXXX as PAID as agreed. Now they have updated my credit report with this SAME account that was closed and attached late payments to it. I disputed it with the credit agencies and the error remains on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: FL

Complaint narrative:
Improper reporting. Reporting a collections account XXXX XXXX that is not accurate and I never consent to furnish or create report. 

Incorrect reporting XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: WY

Complaint narrative:
In XXXX of 2022 I started getting e-mails and phone calls from a company called XXXX. I spoke several times with representatives and managers and each time they told me I had an account, however when they tried to guide me to this " said account '' through their website I would receive a return e-mail with someone else 's name on it and it would state that no account exists. The manager then referred the problem to their research group who replied in an e-mail that I had no account with them and that my credit would not be affected. They continued to call and I spoke again with a manager who referred my " said account '' to their research team again and AGAIN I received an e-mail stating I had no account and that my credit would not be affected. I don't know how cut and dry this needs to be to see that this is in error and I want it OFF of my credit report! I submitted the e-mails and screenshots to Experian showing the responses from my e-mail with a different name than mine. I need this fixed! I have been working very hard on improving my credit and for a company to just add this to my name is insanity and for Experian to go along with it is beyond comprehension. There is no account and I have NO documentation, NONE but just their word I owe this. I can't even see what it is for and they have not told me what it is for as I don't have an account so they can 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 explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a factual dispute, based on information contained in my Transunion and XXXX credit reports. 

The entities are required to conduct independent investigations that would correct, update or delete based on the investigation. I also repeatedly asked XXXX XXXX to remit correct and complete payment history. They have not responded to my request. 

None of these business honored my requests. In fact, my dispute request has been sent back as verified and " updated '' with the same inaccurate missing information. 

The missing payment history has created a situation whereby the account has a complete negative status, therefore significantly reducing my credit score for years. 

I do not understand why the credit bureaus and XXXX believe that, after a consumer lawfully disputes inaccurate information, it is within their right to maintain the inaccuracy noting it as " verified '' and " updated ''.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a factual dispute, based on information contained in my XXXX and Experian credit reports. 

The entities are required to conduct independent investigations that would correct, update or delete based on the investigation. I also repeatedly asked XXXX XXXX to remit correct and complete payment history. They have not responded to my request. 

None of these business honored my requests. In fact, my dispute request has been sent back as verified and " updated '' with the same inaccurate missing information. 

The missing payment history has created a situation whereby the account has a complete negative status, therefore significantly reducing my credit score for years. 

I do not understand why the credit bureaus and XXXX believe that, after a consumer lawfully disputes inaccurate information, it is within their right to maintain the inaccuracy noting it as " verified '' and " updated ''.

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 2022-08-04 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Payoff was sent to Ally, and they still proceeded to take money out of my husbands account and did not refund 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
Consumer complaint received 2022-08-04 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: AZ

Complaint narrative:
XXXX XXXX  XXXX / Account number XXXX, XXXX XXXX, XXXX. 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 an account without my written instructions.

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 2022-08-04 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: OH

Complaint narrative:
I tried disputing this last time but I received mail from CFPB so Im gon na attach identity verification with this my problem is I havent applied for any credit Im XXXX XXXX XXXX I made a report with the FTC none of these inquiries are attached to any open accounts I didnt authorize any of these inquires. Ive sent XXXX, Transunion, and XXXX certified mail. This is messing with my lively hood.

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 2022-08-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I tried disputing this last time but I received mail from CFPB so XXXX gon na attach identity verification with this my problem is I havent applied for any credit Im XXXX XXXX XXXX I made a report with the FTC none of these inquiries are attached to any open accounts I didnt authorize any of these inquires. Ive sent XXXX, XXXX, and equifax certified mail. This is messing with my lively hood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: VA

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

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 2022-08-04 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Have called XXXX, equifax, XXXX about mis information and unauthorized reporting done to my reports. I would like all collections and inquiries removed from my credit report. I have gave no consent or authorization for this information to be reported in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
Apple CC stated you could open a CC and they would not pull a hard Credit report. That was completely false. Although I did receive an approval, there was a hard inquiry which appeared on my Credit by Goldman Sacks. Which affected my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX 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

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy 15 U.S.C. 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. This agency is stating that I owe a debt and has placed a collection on my file that was in fact for someone else. I would like this removed immediately. The credit bureau nor XXXX XXXX XXXX has provided proof of me ever having an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I currently live at the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX I no longer live at the address XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: AZ

Complaint narrative:
XXXX XXXX  XXXX / Account number XXXX, XXXX XXXX, XXXX. 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 an account without my written instructions.

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