vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 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: SC

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 rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its 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 2023-07-03 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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 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 2023-07-03 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: SC

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 rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its 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 2023-07-03 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: MD

Complaint narrative:
This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}.

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 non-monetary relief
Consumer complaint received 2023-07-03 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: MD

Complaint narrative:
This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a collection notice from XXXX XXXX XXXX dated XX/XX/XXXX. According to the notice I owed {$11000.00} to XXXX XXXX XXXX for a credit card with Citibank. The debt was from XX/XX/XXXX and the balance owed to Citibank at that time was {$8000.00}. Between XX/XX/XXXX and the date of the letter I was charged {$4900.00} in interest. On XX/XX/XXXX I replied to their letter " this is not my debt ''. On XX/XX/XXXX I received 2 letters from XXXX XXXX XXXX letters were dated XX/XX/XXXX and both referenced the same collection with XXXX XXXX and Citibank. The first letter was letting me know they had received a recent inquiry from XXXX XXXX regarding the Citibank account. The second letter was a copy of the account summary they provided. 
According to the Account Summary the account was opened XX/XX/XXXX, and was charged off on XX/XX/XXXX for {$8000.00}. 
To the best of my knowledge I have never had a credit card with Citibank. So naturally I am very concerned that someone opened an account under my name. 
But why is this the first time I'm hearing about it? No one has ever contacted me before. 
And why are they trying to collect on a debt that was charged off 18 years ago? 
Their letter even states " the law limits how long you can be sued for a debt and because of the age of the debt they will not sue me or report it to any credit agency. '' I don't know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: OR

Complaint narrative:
In an attempt to get a {$5200.00} loan, I was told 24 hours for a decision. After 72 hours I tried to cancel the loan. When I asked to speak with a supervisor, none were available. I sent an email to cancel my loan request, and asked for a prompt response, since they are open 7 days a week. Again, I waited. Then today, after 96 hours, I tried to call to verify my email had been received. 3 times, the call instantly hung up. The one time I got through to XXXX at XXXX XXXX, I told her my issue, and she hung up. 

I cant allow myself, or another person, in good conscience to be accountable to a company who acts in this fashion. What if this was me trying to make a payment at the last moment before extra interest is accrued? 

I, thankfully, havent gotten a loan approval still, and will cancel immediately, if I do. This has been a nightmare process, since I dont like giving my financial information to anyone. I have already changed all my passwords, and denied them access to my accounts. 

Please refer me to any other steps I should take, since the agents are obviously not American, and I am stressed about who they may sell my information to. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: FL

Complaint narrative:
Please help me fight FRAUD. 
On XX/XX/2023 XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report WITHOUT MY PERMISSION and I have asked TransUnion Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File which is a clear VIOLATION of The Fair Credit Reporting Act, that specifically states Hard Inquiries can not occur without permission XXXX XXXX XXXX does not have my permission to run my credit six months after my purchase, ( XX/XX/2023 ). 

I am asking TransUnion under good faith not to be part of the FRAUD and to remove such unauthorized Fraudulent Inquiries from my Credit report just like XXXX and XXXX did. You can find above in the uploads copy of the letters from XXXX and XXXX who has DELETED such Fraudulent Inquiries from my Credit report as they found in their investigation that indeed XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report WITHOUT MY PERMISSION. Please note this is the second attempt to solve this issue with TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
This is my second attempt at getting a resolution with a Mobile bill that has been placed in collection. It was originally placed through XXXX XXXX XXXX when I reported it to your organization. XXXX response was that, " The account was placed in a disputed status and collection activity was suspended. On XX/XX/2022, we mailed you documents obtained from XXXXXXXX validating the balance they state is owed. In addition, you were also mailed a fraud packet. In an attempt to help you find resolution '' The above statement is false. I never received a packet, if I had I would have taken care of this issue. I do not want to waste your organizations time, but I need assistance with resolving this matter. I am asking that XXXX proved proof with my signature on a contract dated for the dates of service. I have requested this from XXXX and they have not been able to provide that information. I appreciate any and all support you can provide. I am retired and live on a fixed income and would like this matter resolved once and for all. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: CT

Complaint narrative:
I being trying to fix my credit score with Equifax they are saying that I have a delinquent account with XXXX XXXX XXXX  but they are the only ones putting this in my credit score XXXX have this account close I pay this loan on XX/XX/XXXX I strat a complaint with them on XX/XX/XXXX and they lower my credit score even when I send them the proof that the loans was paid of I did a second complaint with the same result. I need help this is affecting my family cause we are trying to buy a house

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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 am writing to formally dispute and bring to your attention a violation of my rights concerning the investigation of a late payment dispute on my credit report. 
On XX/XX/2023, I submitted a dispute to Experian regarding a late payment entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request a proper investigation into any disputed information on my credit report. 
However, I am deeply disappointed to inform you that the investigation carried out by Experian did not meet the required standards for accuracy and thoroughness. The investigation failed to consider all relevant information and did not address the concerns I raised in my dispute. 
As a consumer, it is my right to have accurate and fair information reflected in my credit report. I believe that Experian 's failure to properly investigate my dispute constitutes a violation of my rights under the FCRA. 
I kindly request that Experian promptly rectifies this situation by conducting a comprehensive investigation into the disputed late payment entry on my credit report. I expect that all necessary measures will be taken to ensure a thorough examination of the facts and a fair resolution. 
Please provide me with a written response within 30 days from the date of this notice, confirming the initiation of a proper investigation into my dispute. Additionally, I request that any negative information related to the disputed late payment entry be temporarily removed from my credit report until a thorough investigation is completed. 
Failure to address this matter within the stipulated time frame may result in my pursuit of legal remedies available under the FCRA and any other applicable laws. 
I look forward to your prompt attention to this matter and a satisfactory resolution. Thank you for your immediate action in this regard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 contacted the 3 credit bureau filed dispute I contacted the biller they have no initial account under my name or verification. I have several hard inquiry that shouldnt be on my credit report my credit report should be locked unless open by me. There some one that try to initial tried to apply for loan for vehicle under my name and also applied for mortgage loan which I never applied for thru any loan and credit card or line of credit company. I have had my Identity taken before it in the XXXX XXXX XXXX courts XXXX someone was using my Idenity to commit Idenity theft using my name to gain access to bank banks mobile service, buy a car, buy a house and gain credit cards start business gain a copy of my XXXX XXXX to practice hair under my name using my name S S and address with a different mailing address its all financial gain.. They even gain access to full amount to my unemployment full payment from XXXX for the pandemic. I been through criminal civil charge due to this person using my name for criminal Identify theft. The only reason case was dismissed driver license picture and fingerprints were no match. My phone and personal belongings were stole from XXXX XXXX as being customer at there store and my purse was stolen from car in XXXX and XXXX XXXX with a police investigation to my complaint I had made a police report of my stolen property token from my car. This was file thru the courts through consumers and 3 credit bureaus from the courts that Im victim of Identity theft. Several individuals using my personal identification and verification for gain financial., I would like all discrepancies of hard inquiries removed mortgage and disputes removed from my account I provided all information unless need to file with courts on this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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 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 2023-07-03 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: SC

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 rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its 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 2023-07-03 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: GA

Complaint narrative:
This is my XXXX 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 have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was about to check out an online order with home depot, when noted the promotion of saving of XXXX off XXXX if you open a new homeDepot Credit card today ( see attached screen shot ). For whatever reason I clicked apply and got approved. However I quickly found out there is no way I can charge my purchase today to the card and get the rewards. After calling customer service they suggested me to go to a local store, and so I went there. Those nice people working there tried all they can, and it won't work. So turns out in this condition : online order and item not in store will have to wait out like 10 days. Which is not what their advertising want you to believe, when I was about to check out online. For me as I need the purchase ASAP, I meaninglessly giving out my Information and wasted my 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 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
See attached communication sent to Capital One on XX/XX/2023. Clear evidence showing that merchandise shipped after agreed time. Clear evidence showing that merchandise came very damaged. Clear evidence showing that card holder demanded merchant to pick up and return merchandise and that merchant refused stating it had no address for cardholder to ship it back to. Despite uploading all of this evidence to the Capital One Portal on XX/XX/2023, Capital One only 3 days letter puts these wrongful charges back on my account. Capital One conducted zero investigation regarding this matter. 

Damage goods photos here : hps : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC
State: IL

Complaint narrative:
In XXXX of XXXX, my mother and I went to XXXX XXXX XXXX looking for a used car. I just turned XXXX and this was my first vehicle loan. The car already had pre-existing damage on the right front bumper/headlight area which was not noticed at the time of purchase. The reason for my complaint is that I was over charged for the car and the interest is excessive. The XXXX XXXX XXXX for the car today is around $ XXXX {$6200.00}, which means 9 months ago the book value on the XXXX XXXX XXXX XXXX was only around {$9000.00} to XXXX or less, but I was charged {$15000.00}. There was also a NA charge of {$2400.00} undocumented. I do not know what that was for. My complaint is that I have made 9 payments of {$530.00} which totaled {$4800.00} but my payoff amount is {$17000.00}. Very few of my money from my payments are being applied to my loan, so a majority is going to interest which is Total paid of {$18000.00} - XXXX = XXXX but again the payoff is {$17000.00} so {$3900.00} went to interest. I would like my loan cancelled so that I can purchase another vehicle with a more favorable interest rate. I feel as though I was definitely taken advantage of being a first time car buyer.

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