vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also sates a consumer reporting agency can not furnish an account with without 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 any purpose

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 furnish 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 any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: CA

Complaint narrative:
I've been working on this for a long time now and I need this resolved below I've attached documents for review. Please remove these accounts from my credit profile. Transunion told me they resolved this issue and it was never resolved.

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 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was making a sale to a customer from XXXX XXXX, and he said he was going to pay me on Zelle. I received a fraudulent email saying that my account needed to be credited {$300.00} because it didn't have enough money to make the transaction. I did not know that it was fraudulent, so I made the {$300.00} payment. I never received the payment for the product and now I am out {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA Violations Not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$9800.00} written off. {$3100.00} past due as of XX/XX/XXXX. 
XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Not MY Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Resident XXXX Apartment XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY XXXX XXXXXXXX XXXX Not my Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violations Not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$9800.00} written off. {$3100.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Not MY Addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family NOT MY XXXX XXXXXXXX XXXX Not my Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: Nationwide Recovery Systems, Ltd
State: SC

Complaint narrative:
The two derogatory accounts that show up on my credit report is actually one and it was paid in full to XXXX. There is not any money owed. Account was paid in full years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I sent {$400.00} on XX/XX/XXXX To the wrong person. Captial one refuses to give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a savings account ending in XXXX. In XXXX of this year, I was incentivized to bring additional {$50000.00} to my savings account by XXXX by XX/XX/2022 and keep it through XX/XX/2022. I agreed and I brought requested additional XXXX to my savings account making the total balance of over {$54000.00}. At this point, the interest rate on my savings account became important. CapitalOne Bank is now paying XXXX XXXX for its saving account. It is the only saving account product offered by the CapitalOne Bank. 

Imagine my astonishment and disappointment when I looked at my bank statement to find that my savings account is credited with a XXXX XXXX interest instead of XXXX XXXX causing me a loss of {$250.00} over the next XXXX days for the amount exceeding {$54000.00}. I immediately called the Bank and asked the account manager to adjust the interest to what CapitalOne Bank advertised. I was told that my account is coded as XXXX account and the account with the higher interest rate of XXXX XXXX  is coded as XXXX XXXX. I was further advised that all saving account product like mine were phase out long time ago and no longer offered by the CapitalOne Bank. The only savings account offered by CapitalOne Bank XXXX XXXX XXXX with the interest rate of XXXX XXXX I asked to grandfather my saving account so it would uniformly pay market rate that Capital Bank is offering. Capital One has failed and refused to accommodate my request causing me an economic loss of {$250.00} or {$2.00} a day at interest rate of XXXX XXXX for XXXX days days from XX/XX/2022 to XX/XX/2022. 

I discussed this matter with XXXX XXXX, a CapitalOne Bank representative who responded to my internal complaint to the bank. She confirmed that the same incentive was available to any saving account, including Performance Savings but refused to change my savings account to Performance Savings so my savings account could start earning the market rate currently offered by Capital One Bank. Further, she sent me a letter stating that I chose to have an inferior saving account because it better suited me. I have never chosen an inferior bank product. It is insulting and is a falsehood communicated to a consumer with the intention to mislead or deceive. No consumer will knowingly chose an inferior product, but for direct misrepresentations and outright deceptive practices of the financial institution as represented to me by XXXX XXXX XXXX please see letter attached ). Further, XXXX XXXX misrepresented her contact information, her provided phone number, XXXXXXXX XXXX XXXXXXXX, is not in service. This make this complaint a necessity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: GA

Complaint narrative:
I have disputed the Public Records and on My credit report which was reported by a third party and i have sent over documentation showing that it was not supposed to be on there furthermore they have Violated my FCRA, Privacy and Gramm-LEach-Bliley act rights. This is what have been violated 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Furthermore, the Consumer report agency can only add any Bankruptcy to a credit report once they have documentation certifying the Consumer withdrawal of a Bankruptcy Case. This Consumer Report Agency does not have any type of documentation showing that I withdrew any Bankruptcy case and if they happen to have such a document then this Consumer Reporting Agency will be in Violation of My Privacy Act. 

Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The Gramm-Leach-Bliley AcXXXX requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.

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 2022-08-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : 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 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 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 furnish 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 any 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 explanation
Consumer complaint received 2022-08-22 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 furnish 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc
State: CA

Complaint narrative:
On XX/XX/2022, I reviewed the response made by the debt collector regarding my previous CFPB complaint. 

I would like to notify the debt collector that I did not have any insurance specified by the debt collector. This is also why I am disputing the debt. 

I still request this debt collector not to report this debt to any credit bureaux and verify the debt with me because I did not have any connection with their purported claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Reference # : XXXX ; XXXX  : XXXX XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-08-22 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: FL

Complaint narrative:
Clearly equifax did not throughly review any complaint I have filed because the credit reports are supposed to match all XXXX buearus XXXX saw the errors and immediately deleted I have provided proof below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the multiple written letters I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX -late

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