vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/1922 I received noticed via email that a new report had been added to my account from XXXX XXXX XXXX. This company is not registered with my state to collect a debt, this will act as my first and last time requesting the immediate removal from my report. I will not go back and forth. You never go to was unless your money is right. I'm ready to see the judge. Again first and last request before court.

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 2022-10-10 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: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 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: GA

Complaint narrative:
I recently checked my credit report because I am in the market of buying a home. Upon checking my report, I noticed that both XXXX and Equifax are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report 4 times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold Equifax and XXXX accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT 4 TIMES. I expect them to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
It saddens me that I have to make several complaints in the CFPB regarding Bureaus and their reporting processes. At least two times Ive had to complain about duplicate accounts on my credit report and this is getting RIDICULOUS. Especially when Im in the market of buying a home. Upon checking my report, I noticed that both Experian and XXXX are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report 4 times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold XXXX and Experian accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT 4 TIMES. I expect them to be deleted 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 2022-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/1922 I received noticed via email that a new report had been added to my account from LVNV FUNDING LLC. This company is not registered with my state to collect a debt, this will act as my first and last time requesting the immediate removal from my report. I will not go back and forth. You never go to was unless your money is right. I'm ready to see the judge. Again first and last request before court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-10-10 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-10-10 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: MS

Complaint narrative:
On XX/XX/XXXX, I made a request to look at and have my credit report mailed to me. Although I was able to be take a look I wasnt able to have it mailed to me. I saw that on my report there was serveral inquiries STILL on my report after I disputed it with the cra saying they dont belong. Inquires on my report has been furnished without my consent and has no permissible purpose which is a direct violation of 15 USC 1681b ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). Remove every inquire on my report that is not connected to an account. I also noticed that a collection account has been reinserted on my report without verification nor letting me known which is a violation of the FCRA. Investigation reports must included sources of interviews of family and friends which it did not and is a violation of the FCRA. Also I was never given a chance to direct information on my credit report which is also a violation of FCRA, 15 USC 1681a ( XXXX ) ( A ) ( XXXX ). This CRA has violated my privacy by furnishing private information about me without my consent or lawful authority. With this inaccurate information on my report I have not been able to be approved for any personal loan to help my family situation. It has caused me so much stress and sleepless nights. Ive been trying to get them to understand for months with no response. It is not fair to have to go through this when it is not my fault and no one gets in trouble for it. I will not stop until they suffer for causing me and my family such pain and suffering. It is not right and I as a consumer dont deserve to be treated this way and lied to nor lied on.

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 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
Received a credit card from Axos bank in mail on XX/XX/22. Not in my name but my address. Call XXXX fraud and reported it. Spoke with XXXX. He verified the account was set up not with my phone number nor my email. He closed account. Told me to contact main bank on Tuesday XX/XX/22 as banks closed XX/XX/22. Need to be sure other accounts have nit been opened linked with this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: MS

Complaint narrative:
On XX/XX/XXXX, I made a request to look at and have my credit report mailed to me. Although I was able to be take a look I wasnt able to have it mailed to me. I saw that on my report there was serveral inquiries STILL on my report after I disputed it with the cra saying they dont belong. I was told that my disputes was frivolous, which made me feel very inhumane. How can you say that when you know all the things this report is use to obtain. I cant apply for a home loan because of this not a car loan because all the inaccurate information on my report. Inquires on my report has been furnished without my consent and has no permissible purpose which is a direct violation of 15 USC 1681b ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). Remove every inquire on my report that is not connected to an account. I also noticed that a collection account has been reinserted on my report without verification nor letting me known which is a violation of the FCRA. Investigation reports must included sources of interviews of family and friends which it did not and is a violation of the FCRA. Also I was never given a chance to direct information on my credit report which is also a violation of FCRA, 15 USC 1681a ( XXXX ) ( A ) ( XXXX ). This CRA has violated my privacy by furnishing private information about me without my consent or lawful authority. With this inaccurate information on my report I have not been able to be approved for any personal loan to help my family situation. It has caused me so much stress and sleepless nights. Ive been trying to get them to understand for months with no response. It is not fair to have to go through this when it is not my fault and no one gets in trouble for it. I will not stop until they suffer for causing me and my family such pain and suffering. It is not right and I as a consumer dont deserve to be treated this way and lied to nor lied on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: KY

Complaint narrative:
Pretty much I applied for a credit card I was approved but then Experian still did a hard pull twice once on XX/XX/22 and one on XX/XX/22 all Im saying is how I got a card but I also got a letter sayin I didnt get it? But I did get it? N now I have two hard inquiries on my report also they have address that I dont live at on there and all different variations of my name which I do not like at all!!

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 2022-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX, I applied for and was approved for the Capital One XXXX XXXX card. The application was under a welcome bonus, which offered, among other things, a {$200.00} credit for vacation rental services including XXXX made during the first year of XXXX XXXX. 

On XX/XX/XXXX, I spent {$200.00} at XXXX on a vacation rental. 

It is now XX/XX/XXXX ( over XXXXwo statement cycles later ) and I have not received the promised {$200.00} credit. This is either a technology issue or fraud. Either way, it must be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The 2 accounts that my wife and I have with Chase were restricted on XX/XX/22. We received no notice about this action. We attempted to call the evening of XXXX but had no luck through the automated system. The morning of XXXX I made contact with customer service and was told everything to submit a SSA 89 form along with social security cards for both my wife and I to have the restrictions lifted. We completed this by noon on XXXX. My wife and I also were both supposed to be paid on XXXX. We once again called and were told that everything was being processed and that Chase Bank was holding our paychecks until restrictions were lifted. My wife and I both had trips we had to make out of town and we have been denied access to our accounts as well as having our paychecks held for ransom for 5 days ( thus far ) and have no idea when they will finally decide to unfreeze our accounts. We have been unable to pay our bills and have no access to our account for gas, groceries, etc. It is unacceptable to restrict someones access to their account with the money that they earn and need for normal daily uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: MS

Complaint narrative:
On XX/XX/XXXX, I made a request to look at and have my credit report mailed to me. Although I was able to be take a look I wasnt able to have it mailed to me. I saw that on my report there was serveral inquiries STILL on my report after I disputed it with the cra saying they dont belong. I was told that my disputes was frivolous, which made me feel very inhumane. How can you say that when you know all the things this report is use to obtain. I cant apply for a home loan because of this not a car loan because all the inaccurate information on my report. Inquires on my report has been furnished without my consent and has no permissible purpose which is a direct violation of 15 USC 1681b ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). Remove every inquire on my report that is not connected to an account. I also noticed that a collection account has been reinserted on my report without verification nor letting me known which is a violation of the FCRA. Investigation reports must included sources of interviews of family and friends which it did not and is a violation of the FCRA. Also I was never given a chance to direct information on my credit report which is also a violation of FCRA, 15 USC 1681a ( XXXX ) ( A ) ( XXXX ). This CRA has violated my privacy by furnishing private information about me without my consent or lawful authority. With this inaccurate information on my report I have not been able to be approved for any personal loan to help my family situation. It has caused me so much stress and sleepless nights. Ive been trying to get them to understand for months with no response. It is not fair to have to go through this when it is not my fault and no one gets in trouble for it. I will not stop until they suffer for causing me and my family such pain and suffering. It is not right and I as a consumer dont deserve to be treated this way and lied to nor lied on.

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 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp.
State: MS

Complaint narrative:
They keep emailing me day in and day out trying to collect on a debt that has been written off by the company as a loss. I asked them to stop her they still try to contact me by email daily! I cant open my email without seeing them and having a panic attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: WI

Complaint narrative:
World finance sold the account back in XXXX and charged it off as a lose. They stopped reporting on it and then suddenly in XXXX decided to start reporting again and raised a {$520.00} balance to over {$3000.00} when I brought this to their attention and told then they could not do this and they could not longer report to my credit as they had sold the account they ignored me and continued to report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have disputed this debt with the CFPB with this company on multiple attempts and directly with the company. This company has been unable to validate that I owe this debt and has not sent any documentation that I owe this debt. Yet it still on my credit report. I have validated the validity of this debt over 5 times over the course of the past two years, and it has not been verified. GM Financial is providing false and inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Fig Tech Inc.
State: MS

Complaint narrative:
They keep emailing me day in and day out trying to collect on a debt that has been written off by the company as a loss. I asked them to stop her they still try to contact me by email daily! I cant open my email without seeing them and having a panic attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Creditor : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account

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