vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: IA

Complaint narrative:
I sent a letter to National Recovery Agency in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this 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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: WI

Complaint narrative:
I went to innovis 's website and requested a credit report for the first time and they couldn't pull one on me but had enough info to do a fraud alert initially. I am the victim of identity theft scam and fraud and financially vulnerable. I believe I should get a exited fraud alert and a security freeze with them and copy of my credit report for free all done. I am in am also the victim of a violent assaults crime where as to there my address is confidential where as to my residence. the credit beau 's and banks and credit company 's and ssa all have to abide by that state and federal statue. and seal my residence address completely. to and redact it off any credit file or baking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TX

Complaint narrative:
I have mailed numerous of letters to the bureaus asking them to remove incorrect information from my credit report with proof attached and the items are still being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TX

Complaint narrative:
I have mailed numerous of letters to the bureaus asking them to remove incorrect information from my credit report with proof attached and the items are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I XXXX XXXX XXXX entered into a consumer credit transaction with Capital One Auto Finance on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Capital One Auto Finance took cash. The finance charge is suppose to inclose insurance, Capital One Auto Finance made me purchase separately. 15 usc 1635 ( a ) states ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Capital One Auto Finance did not disclose to me my right to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
I attempted to file a dispute with Equifax but was told that I had previously disputed the same information with Equifax. However, I was not given any information surrounding their dispute. 

I want records in writing of how their dispute was conducted. I want to know in what method they conducted their investigation and if information was " verified '' I want to know how that information was verified. Equifax simply responding that they communicated with the alleged debtor will not suffice, I want to know what day they called the alleged debtor and what number was called. I want to know who they spoke with and if it was not phone communication, I want to know when they mailed correspondence to the alleged debtors. There are still multiple issues with my consumer report that is a hinderance to me that Equifax has stopped responding to my requests for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: IA

Complaint narrative:
I sent a letter to Commonwealth Financial in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received validation or a response yet as to if there is an investigation in progress, please fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TX

Complaint narrative:
I have mailed off numerous letters to the credit bureaus to remove incorrect information that is reporting on my credit report and the information is still there.

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 2021-09-17 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: TX

Complaint narrative:
I have mailed off numerous letters to the credit bureaus to remove incorrect information that is reporting on my credit report and the information is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I reached out because I am unable to wait until XX/XX/XXXX for a replacement debit card so I reached out to Capital One. I was asked to verify my account which I did. I was then told I needed to verify my account via text. I never received a text so XXXX was unable to access my account. He asked for my last deposit amount which I gave. He told me it was wrong. It seems like I have a issue every time I try and use Capital One. They do nothing to address customer issues. Their XXXX and XXXX XXXX location ATM is always down. There's no accountability and no one follows up. I called the actual location and was told they don't have manager but " ambassadors. '' Well the ambassador never cared to follow up either. 

I am requesting a refund for the last ATM fee I received because of Capitol One 's ATM being down. I plan on opening an account with XXXX XXXX so I can receive a card instantly in the next few days if I don't receive the replacement card. Why does Capitol One not address customer issues and fix their faulty ATMs and unsafe lobbies? There are times where there has been human waste and trash on the floors in the lobby and Capitol One does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capitol One Bank ( USA ) sold a balance of {$470.00} to XXXX XXXX XXXX. XXXX XXXX XXXX has been trying to collect this balance since XX/XX/XXXX. This is not my debt nor did I give Capitol One Bank ( USA ) permission to send my personal information to any agency or organization. Which is a violation under the FCRA.

Please take notice that this is a criminal investigation of the business practices of the above named organization or agency to determine violations of the United States criminal laws. Your enclosed claim of collection of a purported debt appears to be founded upon false record in violation of U.S.C Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 471, 472, and 473 and or 513, and further : using corrupt business practices to make and posses false records and claim obligation, not substantiated by truthful facts in violation of the Ferderal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C 18 1961 et. seq. and further : using the U.S.Mail to to present such fraud and false instruments amounting to mail fraud, criminal conduct failing under Title 18 U.S.C 1341 - Frauds and Swindles laws, and further sending mail with fraud and fictions names, a criminal conduct falling under Title 18 U.S.C 1842 - Ficticious Names.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: MS

Complaint narrative:
I show a bankruptcy on XXXX and Experian credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact PACER as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must 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 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover violated my Federally Protected consumer rights. XXXX XXXX also committed identity theft and 10 other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did a free trial for Experians credit monitoring. I cancelled it the next day and was told on their site that I would not get billed in the future.

Today, I tried to login to check the status of a dispute and the website is forcing me to pay them {$XXXX} to continue. I can not access the status of my dispute without rendering funds that I do not owe to Experian first. Thusly, holding the status of my report hostage. I did pull the report via free annual credit report but I am unable to identify if any changes were made. 

I want this requirement to pay them removed.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
My son was involved in a car accident on XX/XX/2021. This was a total loss of this vehicle that was financed through Credit Acceptance in which they were paid in full on XX/XX/2021, however they havent closed out the account which is causing me problems in obtaining a new car auto loan.

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 2021-09-17 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: MS

Complaint narrative:
XXXX and Experian are violating my rights by reporting a debt that I do not owe!!!! They are violating 15 usc 1692g and 15 U.S. Code 1692j - Furnishing certain deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. According to this law XXXX XXXX XXXX is clearly creating a false impression that I owe a debt to them thats definitely not owed!!!! They are pretending to be collecting a debt on behalf of XXXX XXXX XXXX  which is not true! XXXX XXXX XXXX  has no interest in this debt, therefore by XXXX and Experian reporting this debt they are in violation of the law according to the FCRA and FDCPA!!!! It is clear that Experian and XXXX are in violation especially because XXXX has already removed the erroneous information from my file. They have done so because they know by reporting this unvalidated debt they would be violating the law which is punishable pursuant 15 usc 1692k in the amount of XXXX dollars per violation per day that they refuse to abide by the law!!!! Experian and XXXX are also violating 15 usc 1681e ( b ) by not accurately reporting the information to my consumer file!!!! Its their job as a reporting agency to accurately validate and verify all information before reporting the data to my consumer file!!! They have both failed to do so!!!!! Experian, XXXX XXXX XXXX, and XXXX are violating 15 usc 1692d ( 4 ). I have provided a letter from XXXX XXXX XXXX  saying that they have no ownership of this debt and have no financial interest in this debt! I have also provided my identification so that Experian and XXXX know that I submitted this complaint. I do not owe XXXX XXXX XXXX anything and this letter proves it!!! They are committing the crime according to the FTC called debt parking!!!! Ive also provided an example of what happened to another company that was in violation of the laws mentioned above!

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 2021-09-17 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: Synovus Bank
State: OH

Complaint narrative:
1STPROGRESS/XXXX/ is reporting late payments on my consumer credit report. I am demanding that the late payments are removed and reported as exceptional payment history. 


I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681e - factual information must be excluded ; this is a violation. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 15 US Code 1681a ( 2 ) states that any consumer credit reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: OH

Complaint narrative:
I have a collection account from PROCOLLECT , INC on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
id theft victim. i have been fighting for years to keep these bad accounts off my reports. these are the accounts as follows. i have also attached a id theft report XXXX XXXX  / XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account Public record bankruptcy is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
id theft victim. i have been fighting for years to keep these bad accounts off my reports. these are the accounts as follows. i have also attached a id theft report XXXX XXXX  / XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account Public record bankruptcy is not my 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