vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 says 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 non-monetary relief
Consumer complaint received 2022-03-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX XXXX have 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 section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1666B says a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts to show no late payments or remove these accounts from my report

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 2022-03-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX have 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 section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1666B says a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts to show no late payments or remove these accounts from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: WV

Complaint narrative:
On XX/XX/2022, I was notified by XXXX credit monitoring that there was a collection for {$2900.00} put on my credit report for XXXX XXXX in XXXX XXXX, NY, a location I have never been to, let alone. lived in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frost-Arnett Company
State: FL

Complaint narrative:
Charge for medical service on XX/XX/XXXX should have been billed by XX/XX/XXXX. Collections agency was notified. Medical service billing dept says collection agency can bill to the proper people. I'm not sure how since they are not my provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2022 - I purchased with a merchant using my Navy Federal Debit card. When I received the item from the merchant, it was not as described and did not work for me, and I reached out to the merchant and asked to return it. The merchant agreed that I could return the item for a full refund once they received the item. I sent the item back with the merchant return label, and they received the item back in XXXX but did not provide my refund. I called Navy Fed and disputed the charge, and a temporary credit was given for the {$100.00}. Now, I received an email from Navy Fed asking for more details, and I provided the email from the merchant stating they received the item back. However, Navy Fed has sent a letter to me saying they have found it not in my favor and have removed the credit from my account. I have called NFCU asking them how they are removing the credit from my account when the email clearly says the merchant received their item. NFCU is not protecting me as one of their customers and has not done a thorough investigation because if they did, they would have been told by the merchant that they had received the item back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX my debit card was declined when trying to pay at a coffee shop, upon accessing my bank account online I saw that my account was blocked. I later called citibank and they said they are closing my accounts and no longer wish to do business with me and that i will receive my money back within 60 business days in the form of a check and they refused to provide any further details on the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
Since the last time we talked I have found a life and disability policy that hasn't been honor and was left off the original documents it's through XXXX life policy number XXXX and my wife passed in XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: PA

Complaint narrative:
Iam writing this complaint to simply remove information that is being reported to my credit file. Ive received a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. Ive also reported the theft of my identity to the Federal Trade Commission.

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 2022-03-14 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter to the XXXX credit bureaus, XXXX, XXXX and Experian notifying them that XXXX XXXX and The Bureaus is reporting incorrect information which is lowering my credit score. I sent them a letter from the Dept of Treasury where I worked for XXXX as an an employee informed me that my account information has been breached. This was caused by a cyber attack and my personal information was stolen. XXXX and XXXX removed the information but Experian has not. In my opinion Experian is affiliated with XXXX XXXX and The Bureaus because they refuse to remove this incorrect information. I never had an account with the Bureaus or XXXX XXXX. This incorrect reporting has been going on for years and my credit score keeps decreasing with this agency

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 2022-03-14 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: FL

Complaint narrative:
Around XXXX of 2017 a XXXX XXXX XXXX XXXX  was open in my name. A balance of {$66.00} on the account charged off first payment never received I have contacted XXXX XXXX to no avail I'm asking for help Equifax have yet to remove this account I have went to the police station they do not give police report they sent me to the Federal trade commission website which sent me to this website this is my complaint against an inaccurate fraudulent account of My consumer report I'm asking that it be removed according to section XXXX, I'm asking that you guys show the original paperwork with my signature stating that I open this account with all of the accurate information this is a fraudulent account please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Company : Credit Acceptance erroneously has a debt on credt report that which is incorrect amount which is adding {$4700.00} more than loan amount at that time.

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 2022-03-14 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: NY

Complaint narrative:
Experian is reporting incorrect and outdated information on my credit report from XXXX XXXX and The Bureaus. I never had these accounts. I have been receiving a poor credit score for over 5 years for accounts that I never had. My information was stolen and these accounts are not mine. The companies can not collect on these debts because they do not belong to me and they are old. Experian keeps sending me credit card approval notices for cards with high interest rates, so that I will accept one of these cards, in lieu of the agency removing this info and raising my credit score, this 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 2022-03-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX has violated my rights. 



Inquires : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-14 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: AL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/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 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 says 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 2022-03-14 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: AL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 says a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have send a letter to Equifax asking them to REMOVE my fraud alert on XX/XX/2022. ( See letter attached ) Not only they did not REMOVE the alert they keep sending me that I am REQUESTING to add an additional year. 

My letter reads Cleary and I want my FRAUD ALERET to be removed immediately, not extended. 

I need help with this company ( Equifax ) actually removing my fraud alert instead of playing games sending me letters to extend it for another year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Grain Technology, Inc.
State: TX

Complaint narrative:
They are reporting late payments on my account. I've never paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Ive filed numbers FTC reports and contacted this company Security Credit Services about the identity and the account not being mine. They refuse to remove this negative unauthorized item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/2022, I processed two transactions via XXXX powered through PayPal and they canceled both transactions I have a pending hold that has not been released yet I contacted them as well as the card company ( RushCard ) the transaction has been pending since the XXXX I called them and they said that they would send me and the card company an email that shows it was lofted the card company said if they can provide that, they will do it manually on there end its {$1600.00} + the fees The transactions action numbers are XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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 ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX, my account was incorrectly reported by Capital One as being closed at my request on XX/XX/XXXX. My most current statement indicates that that the account is restricted. I disputed this report of the account closure with Capital One and the 3 credit reporting agencies. XXXX informed me that they verified this information with Capital One. Capital One suggested I contact the credit bureau. 

In addition I can't obtain a copy of what I agreed to from Capital One. The link with the agreement I entered into with Capital One in XXXX is no longer active. In one response I was told that I entered into the agreement with a third party vendor. I was later told that I entered into the agreement with Capital One and that it was a verbal agreement. If this was in fact a verbal agreement, I was overcharged on the interest rate and am entitled to a refund for overpayment. I need a straight answer from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They are reporting late payments on my account. I've never paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
Hello I got a gift/prepaid card. Visa/Vanilla of $ XXXX XX/XX/XXXX I spend {$75.00} and I planned to use the rest later. 
I went to another store in a different day and the card was declined. I checked the card and it said that was used by XXXX XXXX. {$5.00} EACH TIME, THE SAME DAY XX/XX/XXXX UNTIL THE BALANCE was gone. 
I called Vanilla Visa ( INCOMM INC ) and they told me to submit a dispute. 
After 3 months waiting, they told me that the purchases made with the card are similar to those made with cash, and they can not stop payment or lodge a billing dispute on purchases made with the card. 

I contacted XXXX and I submitted the complaint. later on, we were Receiving the same answer I looked in the XXXX  and in the web and they are a lot of people having the same problem. 

It seems that the cards are already compromised. Imagine 73 people or more X $ $ XXXX 

Please see this video : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
I got a letter today writing to me about my debt. 
Reference # : XXXX. I have no knowledge of this debt and didnt receive the information to verify this debt is mine.

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