vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have two accounts with Capitol one. They deleted my banking information today, even though my last two payments went through on XX/XX/XXXX. Customer service agent said they updated there information and now only have my old payment accounts available. I asked him when was the notifications sent out about the changes and he wouldn't respond. He put me on hold. When he came back he kept insisting I just simply input my bank routing number. That they didn't have it. I asked him if they didn't have it already then how was my payments getting through. I asked him why are old payment accounts still available if the banking information I had currently used for the last two years was deleted. He had no response. All he kept implying was I need to reenter my banking information. I said I don't like the fact they tampered with my payment account information with out my approval or consent and there isn't a way to take off my old payment accounts. I feel unsettled about the matter and asked if I was allowed to pay with money order and he told me no. I asked him a few times to clarify that I was infact not able to pay with money order. Each time he told me no. I asked him to give me the policy in which they changed and no longer take money orders. He couldn't. I told the Capitol one customer service agent that I am recording the call the same way he is recording the call. He then got shifty with his responses. He told me to access the information online. That they do infact take money orders. I had no notice of change nor was I consenting to this company messing with my bank card information. I want to know why there isn't a way to deleted old bank accounts linked for payments. And I want to know why I was decieved and lied to. I contacted this company around XXXX XXXX on XX/XX/XXXX. After I got off the phone with the agent I googled if the company in fact takes that form of payment and they do. This behavior has me concerned so I locked my cards and am reporting these practices. It seems deceptive to lie about policies, messing with customers payment banking information, and not being able to deleted old banking accounts linked for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: CA

Complaint narrative:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. I also contacted XXXX XXXX XXXX fraud department and reported the identity theft issue and they confirmed that they will mail the ID theft victim 's affidavit package to my address on XXXX XXXX. 
I filed the identity theft case with FTC ( IdentityTheft.gov ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX on XXXX XXXX, 2023. I filed a police report with XXXX ( CA ) Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. Along with XXXX XXXX and XXXX XXXX XXXX, 5 more companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
Also, two companies made hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023, and a company made a hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: CA

Complaint narrative:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. I also contacted XXXX XXXX XXXX fraud department and reported the identity theft issue and they confirmed that they will mail the ID theft victim 's affidavit package to my address on XXXX XXXX. 
I filed the identity theft case with FTC ( IdentityTheft.gov ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX on XXXX XXXX, 2023. I filed a police report with XXXX ( CA ) Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. Along with XXXX XXXX and XXXX XXXX XXXX, 5 more companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
Also, two companies made hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023, and a company made a hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023.

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 2023-08-13 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: CA

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my information 15 usc 1681 4.

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 2023-08-13 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: CA

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my information 15 usc 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In general, I believe that the credit reporting agencies have too much control of our lives. Also, that they conspire together to control the algorithms that make the fico scores and its all too confusing for the average person to understand. I am a XXXX XXXX and I understand Its all a scam to charge poor people insanely usurious interest rates. They make it impossible for a person to move from a poor to good credit because when you are rated poor the financial products are terrible and you cant get ahead. 

XXXX is constantly pressuring me about membership that costs XXXX per month. I joined once and had a real nothing BOOST It took two months to drop the stupid service and when I did my score dropped from XXXX to XXXX and then XXXX. 

You know its all a scam. XXXX XXXX and XXXX XXXX prey on the poorest to take on credit cards with XXXX limits and XXXX membership fees.You probably cant do anything about this but you should. 

The whole credit reporting system should be rebuilt

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 2023-08-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In general, I believe that the credit reporting agencies have too much control of our lives. Also, that they conspire together to control the algorithms that make the fico scores and its all too confusing for the average person to understand. I am a computer programmer and I understand Its all a scam to charge poor people insanely usurious interest rates. They make it impossible for a person to move from a poor to good credit because when you are rated poor the financial products are terrible and you cant get ahead. 

XXXX is constantly pressuring me about membership that costs XXXX per month. I joined once and had a real nothing BOOST It took XXXX months to drop the stupid service and when I did my score dropped from XXXX to XXXX and then XXXX. 

You know its all a scam. XXXX XXXX and XXXX XXXX prey on the poorest to take on credit cards with XXXX limits and XXXX membership XXXX probably cant do anything about this but you should. 

The whole credit reporting system should be rebuilt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
15 US CODE 168 1B I NEVER GAVE ANY PERMISSION TO REPORT ANYTHING 15 US CODE 1681 C-1 YOU REPORTING ON ME IS IDENTITY THEFT 15 US CODE 1681 C-2 STATES YOU MUST REMOVE WHATEVER YOU GOT RESPECT THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
On XX/XX/2023 I have got a alert for Equifax stating that my credit was ran from XXXX XXXX XXXX XXXX, XX/XX/2023 My Partner XXXX XXXX went into the branch in XXXX XXXX XXXX location in XXXX to get a bank statement as which we are buying a mortgage, the bank confirmed with me that he was allowed to get this info, When he got home i choose to get on the phone with XXXX and ask about this dispute, XXXX XXXX the branch manager at XXXX XXXX in XXXX XXXX said that she ran my info bc she thought it was going to be fine with me, she never called me or i never signed any papers stating that i agree for her to run my credit, and on the phone she admits she messed up and she should have called me, she said she was going to take care of this and get it off my credit, almost 30 days later i still have it on my credit and its harming me to get credit for the new things i need for my house. so bc of this inquiry its harming me to get credit that i need for my personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have being denied access to funds in my account and account usage for three ( 3 ) weeks resulting in financial losses to me and my investments. 
I have called the bank no less than 7 times over this and the bank has refused to do anything in resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This address is associated with accounts that i do not have ownership to.

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 2023-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I lost my job and this company CashNetUSA still drafted payments out of my account of the sum of {$300.00} bi-weekly for a {$1800.00} personal loan they had no means to helping me out in my hard time and I had to suffer it out. The other thing is they do not report these payments to the credit bureaus I'm on time and I may have paid them close to {$8000.00} in payments also these payments could average from {$600.00} to {$900.00} in 1 month absolutely ridiculous. I can not afford to continue to make these kinds of payments I need financial Justice, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not associated with the address XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX or anything that has been sent there. XXXX XXXX has brought it to my knowledge that my name was associated with that address, this is incorrect. 
Also, Phone number XXXX is not associated with me, I was in XXXX using a XXXX phone while in the military. I am not sure who has accessed 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 non-monetary relief
Consumer complaint received 2023-08-13 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: IL

Complaint narrative:
Experian, XXXX, and XXXX continue to report inaccurate information. Per the IRS any cancelled debt is considered a certificate of indebtedness which is income and can not be reported. 

The creditor account listed as XXXX Account # : XXXX has several inaccuracies. 

Account Type - Detail : Secured credit card XXXX line secured Secured credit card Account Status : Derogatory Open Derogatory Monthly Payment : {$0.00} {$90.00} {$0.00} Balance : {$15.00} {$100.00} {$15.00} High Credit : {$200.00} {$200.00} {$120.00} Credit Limit : {$170.00} {$170.00} {$0.00} Past Due : {$15.00} {$75.00} {$15.00} Payment Status : Collection/Chargeoff Late 150 Days Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian and XXXX are reporting late payments from XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. XXXX is not reporting any late payments. 

This means this account has not been properly verified and this information needs to be removed immediately.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ] # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
15 US CODE 168 1B I NEVER GAVE ANY PERMISSION TO REPORT ANYTHING 15 US CODE 1681 C-1 YOU REPORTING ON ME IS IDENTITY THEFT 15 US CODE 1681 C-2 STATES YOU MUST REMOVE WHATEVER YOU GOT RESPECT THE 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 explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not associated with the address XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX or anything that has been sent there. XXXX XXXX has brought it to my knowledge that my name was associated with that address, this is incorrect. 
Also, Phone number XXXX is not associated with me, I was in XXXX using a XXXX phone while in the military. I am not sure who has accessed 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 non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not associated with the address XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX or anything that has been sent there. XXXX XXXX has brought it to my knowledge that my name was associated with that address, this is incorrect. 
Also, Phone number XXXX is not associated with me, I was in XXXX using a XXXX phone while in the military. I am not sure who has accessed my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: IL

Complaint narrative:
XXXX, XXXX, and Transunion continue to report inaccurate information. Per the IRS any cancelled debt is considered a certificate of indebtedness which is income and can not be reported. 

The creditor account listed as XXXX Account # : XXXX has several inaccuracies. 

Account Type - Detail : Secured credit card Credit line secured Secured credit card Account Status : Derogatory Open Derogatory Monthly Payment : {$0.00} {$90.00} {$0.00} Balance : {$15.00} {$100.00} {$15.00} High Credit : {$200.00} {$200.00} {$120.00} Credit Limit : {$170.00} {$170.00} {$0.00} Past Due : {$15.00} {$75.00} {$15.00} Payment Status : Collection/Chargeoff Late 150 Days Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX are reporting late payments from XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. Transunion is not reporting any late payments. 

This means this account has not been properly verified and this information needs to be removed immediately.

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 2023-08-13 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: IL

Complaint narrative:
XXXX, Equifax, and XXXX continue to report inaccurate information. Per the IRS any cancelled debt is considered a certificate of indebtedness which is income and can not be reported. 

The creditor account listed as XXXX Account # : XXXX has several inaccuracies. 

Account Type - Detail : Secured credit card Credit line secured Secured credit card Account Status : Derogatory Open Derogatory Monthly Payment : {$0.00} {$90.00} {$0.00} Balance : {$15.00} {$100.00} {$15.00} High Credit : {$200.00} {$200.00} {$120.00} Credit Limit : {$170.00} {$170.00} {$0.00} Past Due : {$15.00} {$75.00} {$15.00} Payment Status : Collection/Chargeoff Late 150 Days Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and Equifax are reporting late payments from XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. XXXX is not reporting any late payments. 

This means this account has not been properly verified and this information needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief