vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: OR

Complaint narrative:
there is a collection account on my report and I have a court document from my county court house showing I don't owe any money to this agency and the Equifax still reporting I have collection account and owe them money, even when I sent them the court document stating that I don't owe any money to this collection agency..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
Good day from XXXX Called XXXX XXXX XXXX twice between XXXX and XXXX multiple transfers and no one knows how to complete my request : Cancel the u.s. bank secured credit card application submitted on XX/XX/XXXX. It has not gone through yet and I have already submitted to a better online offer. 

I AM NOT calling them back. I have no issues since opening the account. JUST THIS ONE They have 2 days to fix or the acct is going down on Friday XXXX. An additional complaint was submitted with the XXXX today.

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 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I went to bmo bank downtown XXXX and they were mean and rude and them plus the security told me to leave. I had a copy of my birth certificate and social secuirty card and the manager and her workers told me that they won't cash my check or give me an account. They said that I have to do it myself and to stop being homeless and get a job, they just were very mean.

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 2023-05-30 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: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I have asked this company to provide any information showing that I ever opened an account with them. All requests have gone unanswered. They are showing I owe them {$880.00} under account number XXXX. I've never done any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There is debt on my credit report that I did not create. I suspect someone opened an XXXX XXXX XXXX account in my name and now it is fraudulent, past due several years, and with collections. I didn't realize what happened at first and then discovered it later and am trying to recover my credit. 

I suspect it was my mother who had access to my social security number, but I'm not sure how I am able to prove this or why XXXX XXXX XXXX let the services last for so long without terminating as the bills were not being paid.

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 2023-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX. 
I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N.A.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 is inaccurate because [ I have never owed XXXX XXXX XXXX XXXX nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ XXXX XXXX XXXX, XXXX ] have the item removed immediately. 
Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: IN

Complaint narrative:
I told XXXX, Transunion, and XXXX to reinvestigate these accounts. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-05-30 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: IN

Complaint narrative:
I told XXXX, XXXX, and Equifax to reinvestigate these accounts. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: CA

Complaint narrative:
We previously resided in XXXX XXXX XXXX Florida XXXX. 
We moved to California in XX/XX/2023. We used to have Progressive Home and Auto insurance in Florida. Shortly after moving to CA we asked Progressive to transfer our insurance to CA state. But they said they couldn't cover the type of insurance that we needed in CA. So we canceled with Progressive and moved our business to XXXX. 

I called progressive since it was half way through the month and spoke with XXXX XXXX. Since Progressive sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with progressive and they said there was a premium amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by Progressive. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TN

Complaint narrative:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right .15 USC 1681 Section 602 States i have the right to privacy.15 USC 1681 Section 604 A Section 2.it also states a consumer reporting agency can not a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TN

Complaint narrative:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right .15 USC 1681 Section 602 States i have the right to privacy.15 USC 1681 Section 604 A Section 2.it also states a consumer reporting agency can not a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : 1 ) Portfolio Recovery Associates , LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX XXXX  XXXX XXXX. 
Account # ( XXXX ) Reference # ( XXXX ) 2 ) Portfolio Recovery Associates , XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX  Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed Portfolio recovery associates , LLC nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ Portfolio recovery associates , LLC ] have the item removed immediately. 

Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: GA

Complaint narrative:
I was a 1099 contractor with XXXX from XX/XX/XXXX until XX/XX/XXXX. In order to qualify to work with XXXX I was required to take and pass a background check and motor vehicle report check. My background check result did not change and was the same from the date of approval until XX/XX/XXXX. Meaning, no additional charges was added or dropped from my report. After speaking with numerous amounts of customer care representatives both at XXXX and Checkr in XX/XX/XXXX and XX/XX/XXXX, I discovered I was discriminated against. I was informed I was ineligible for hire due to my background check results. Zero or none of the charges pending under the First Offender 's Act law was subject to the " disqualify a person in any employment application as provided in O.C.G.A. 42-8-63-1 ''. In other words the charges against me were not of a XXXX, child/elderly abuse offense, or to become a peace officer nature. Review the attached First Offender Act Clause provided to me by my Attorney in XXXXXXXX XXXX.My name at the time of the complaint and additional information is as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Last 4 digits of SSN XXXX. The issue regarded a criminal history background check result to continue working as a 1099 contractor for XXXX XXXX around XXXX and XX/XX/XXXX. Email addresses XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WAFD BANK
State: AZ

Complaint narrative:
Hello. We had someone make fake checks through our business acct and deposit them at an online bank, XXXX XXXX. The fraudsters names were XXXX XXXX, XXXX XXXX, & XXXX XXXX. 

Transaction dates, amounts and fraudulent check 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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XXXX, I received a notice from XXXX XXXX alerting me to the fact that some tried to open an Ally Everyday Cashback Mastercard. It was denied. 

I then spent multiple days going back and forth between Ally and XXXX to determine how to get this inquiry off my account. XXXX was saying that Ally needs to electronically request for it be removed while Ally told me they couldnt find an application with my name or social. 

XX/XX/XXXX, I mailed a detailed report to XXXX and filed a report with the CFPB. 

XX/XX/XXXX, I received notice from CFPB that Ally was looking into it. 

XX/XX/XXXX, I received an email from CFPB saying that Ally agreed that the hard inquiry was fraudulent and that they requested to have it removed. 

Fast forward to today, XX/XX/XXXX, and it is still showing on my account. Again, XXXX said deposits having received my report Ally didnt not request to have it removed and that Ally would need to for them remove it from my report. 

I spoke with Ally who again told me they could not retrieve the application. 

I am just trying to get this fraudulent inquiry off my account without all the back and forth. 

The original case id is : 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 2023-05-30 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: CITIBANK, N.A.
State: DC

Complaint narrative:
Billing Error Dispute Dear Best Buy Credit Services, I am writing in regards to a billing error previously identified in a billing statement issued on ( XX/XX/XXXX ) in the amount of ( {$3800.00} ). Now, the statement reads {$4900.00} of which there is still a billing error. As of XX/XX/XXXX, i have yet to receive a response from you. I will attach a copy of the previous letter sent and received by you to this complaint. You have now defamed my character by placing a late payment on my credit report as well as pushing the account over the limit. Until this is resolved this account should be placed into a Do Not Pay, Do Not Collect status. Kindly remove the negative marks from my credit report. Nothing is late and there isnt a balance. I have the right to withhold payment until this matter is resolved. Please be informed that the closing, restricting or any form of adverse action will forfeit your rights to collect on the account according to federal law. 

I am disputing the entire balance on this account. {$4900.00} is a credit not a balance due. Please send documentary evidence such as books of accounting, proving that this is in fact a balance due. Do not send statements, that does not constitute a form of documentary evidence. 

The amount indicated as being owed is in a POSITIVE amount of ( {$4900.00} ) which is a credit balance in excess of {$1.00}. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. 

I would like to request a full refund of the amount of the credit balance in excess of {$1.00} be mailed to me.

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 2023-05-30 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: MA

Complaint narrative:
I asked the credit bureaus to do verification on the following five accounts, and they did, they stated the accounts are accurate, and I did a thorough research myself and found improper inaccuracies with these five accounts even after they did the thorough research. 

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEM ( S ) TO BE ERRORS, OR ARE DEFICIENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSE WISE NOT COMPLAINT, TO INCLUDE TO METRO 2 REPORTING STANDARDS. 

Here as follows are items in potential error requiring immediate annulment of the retainment and or reporting : Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXXXXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Please remove this inaccurate, untrue, incomplete, and non compliant information from my credit report immediately. 

This is a violation of the FCRA and is also in violation of metro 2 compliance reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights.

15 U.S.C 1681 section 601 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 non-monetary relief
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
I am submitting this CFPB Complaint to dispute the inquiries and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiry in question or delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiry and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. Please see the list of the Inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action.

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