vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 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: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that XXXX of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: VA

Complaint narrative:
On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Va. At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with XXXX institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank, Capital One and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that 3 of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

Complaint narrative:
I have a debt reporting across all 3 bureaus under the name of L J Ross Associates IN under the Account # XXXX. I have done no business with L J Ross as well as I informed them that my identity was stolen a few years ago in which required me to have setup fraud alerts across all 3 of my credit bureaus. It is illegal for L J Ross to spam me with letters, phone calls, and even send representatives to my doorstep. I need the CFPBs help in stopping this illegal activity right this instant or I will pursue legal counsel.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Syncb/bp DC ( bank ) XX/XX/XXXX Syncb/PayPal XX/XX/XXXX SYNCB/care credit XX/XX/XXXX I did not give permission or authorization them I was a victim Identity theft

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 2022-02-19 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: Credit Karma, LLC
State: LA

Complaint narrative:
I have found out that credit karma is getting paid for using your information to these 3rd parties companies to get inquiries and tell u you are pre approve and tell u its not a hard pull on your credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have a Hunter Warfield account across my XXXX credit bureaus with the # XXXX. Personally, I, XXXX XXXX living at XXXX XXXX  XXXX  # XXXX XXXX XXXX, FL XXXX through all my years on this Earth and living at this address the past 10 years have never one came across or did business with the company listed above. The activities they are engaging in is illegal and I am willing to proceed with legal action if I don't get a response within 15 days with this unknown debt of {$18000.00}. I have had my identity compromised in the past however, this is absurd and according to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy amount other things which Hunter Warfield are in violation as I never gave you my information directly, and I, XXXX XXXX a consumer in fact, agree with Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. code 1692 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Caine & Weiner has reported an adverse action to CRA without notifying the consumer of the debt 's existence and has not notified consumer of their Rights under the law. This is the second violation of this kind by Caine & Weiner against me. This company refuses to adhere to Title 15 of the United States Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MO

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$4400.00} XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2022-02-19 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: MO

Complaint narrative:
I have been trying to get my credit report since XXXX from all 3 bureaus. My information was exposed in a XXXX data breach and hospital databreach. I have given Transunion everything to verify my identity and address several times. XXXX they had my social number off by one digit, XXXX i was reported as a dead person, XXXX i was asked for more identity verification and same for XXXX. Ive given them copies of everything including my social. 
In the mean time 4 years later i have recently filed identity theft, including medical identity theft and several account intrusions and takeovers. Ive spent over 1000 $ on XXXXXXXX for my children and i, the insurance for that was stolen too. Insurance checks from XXXX and XXXX. Im still waiting for my other medical records, the ones i recieved so far have inaccurate information which i have suffered over and am trying to still correct. i was able to view a small portion of my report recently. Ive seen majority of my activity through XXXX XXXX  that too i was locked out of. There are two phone numbers on there that are clear signs of identity theft because they arent mine. I need a detailed report. It would never allow me to freeze my credit. It only hung up on me everytime ive requested. This whole time someone else has been using my identity and finished paying a XXXX XXXX account two weeks ago.

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 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Synchrony Bank presented me with an offer to pay a debt, I conditionally accepted the offer on the condition that clarification and full disclosure of the claimed debt was given before I proceed. Synchrony Bank ignored my request to resolve this matter and instead reported detrimental information to credit reporting agencies against my instruction. I did not consent, benefit, nor authorize this account on my consumer report and Synchrony Bank has violated my right to privacy per federal consumer financial law.

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 2022-02-19 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: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
They called saying I had a fraudulent charge on my card and commenced to asking information on the card and my account. They tried to set up a mobile card account on there phone but I was on the other line with my bank and had it blocked The number they used was XXXX XXXX XXXX XXXX and 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 2022-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
I called the collection department today XXXX, 2022 offering to pay off my loan of {$1000.00} and close it out as it was all I have to do they already caused my bank account to be overdrawn when I didn't have money in the account now they won't accept my {$1000.00} payment to be done with I borrowed {$1100.00} they want me to pay them {$1200.00} and I have already made a couple of payments to them already {$140.00} each, and the lady I spoke to today was very rude to me and my wife I will not deal with them anymore this is ridiculous I hope we can come to a quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After the reviewing of my Experian consumer report on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX is listed as XXXX  item. With a balance of {$990.00}. I have not received any letter in the mail or phone call in validation of this debt. I reside in the State of XXXX which confirms that licensure is required to collect debt. XXXX XXXX XXXX does not have a license to conduct business in the state of 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 2022-02-19 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: MO

Complaint narrative:
Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$3900.00} US DEPT ED XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: AL

Complaint narrative:
Over the last 4 months, XX/XX/2021, I've been trying to persuade Experian to re-insert and keep reporting two of my credit cards. They said that a notification was sent from XXXX about fraudulent activity, but XXXX still reporting my accounts as of today. 

XXXX PURPOSELY DELETED TWO OF MY CREDIT CARDS ACCOUNT WITHOUT MY CONSENT OR AUTHORIZATION. I SPOKE TO BOTH CREDITORS, XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX AND THEY BOTH DENIED ANY WRONGDOING OR MISCOMMUNICATION WITH THE CREDIT BUREAU. UNEXPLICABLY, XXXX DECIDED TO DELETE THESE TWO ACCOUNTS, IN ORDER NOT TO HELP MY CREDIT RATINGS OR SCORE. THIS HAS BEEN A CONSTANT FIGHT AND ORDEAL, FOR ME TO BE ABLE TO MAKE THIS BUROCRAT CREDIT REPORT ACCURATE INFORMATION, FOR MORE THAN 6 MONTHS NOW. I HAVE NEVER SAID THESE ACCOUNTS WERE NOT MINE. WHAT I DISPUTED WAS THE BALANCES AND INNACURACIES THAT WERE BEING REPORTED.

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 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one is not providing me with legitimate bills. I have received two bills in the mail. One requesting the payment, another requesting a higher payment. The higher payment of XXXX dollars does not correlate with the original agreement received when opening the XXXX  XXXX dollar credit card. I am receiving horrible customer service when contacting the company and they are refusing to give me any information about my two credit cards. They are sabotaging my credit and probably the credit of others. They seem to be a very inproficient, uneducated, and disgusting company. They need to be shut down. 

Thank you kindly, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MO

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$3900.00} US DEPT ED XXXX Balance : {$2400.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020

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 2022-02-19 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Caine & Weiner accessed my Consumer Credit Report without permissible purpose on XX/XX//21. Caine & Weiner did violate my privacy, and does not and has never had my permission to access my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harpeth Financial Services, LLC
State: KY

Complaint narrative:
XXXX needs to immediately stop trying to collect and report on this debt that is not owed and at no point ever did I owe the amount they are trying to collect. The account was resolved with Advance Financial. I sent an email requesting validation of the debt and no response was provided now about a year later they have started reporting the debt on my credit report of which it needs to be removed immediately or legal actions may be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: NJ

Complaint narrative:
XXXX XXXX  XXXX accessed my Consumer Credit Report without permissible purpose on XX/XX/21. XXXX XXXX XXXX did violate my privacy, and does not and has never had my permission to access my personal 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 2022-02-19 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: NJ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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