vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
As stated in last complaint transuinion is actively displaying inaccurate information on my XXXX XXXX account and i have tried to solve qoth them but yet they refuse to investigate and or fix. Account has been reaged opened and closed etc and they are refusing to address the issue or correct it please see below photos account was closed 5 years ago not 2022.

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 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I called the CapitalOne " Quicksilver '' Credit Card help line to do just one thing : change my primary address ( I had recently moved ). Three different agents got on the line. None of them could change my address. They were incapable. They just passed me along - and none of them retained any of the information that I had just provided to the prior agent. In one case - the system transferred my call on its own, while I was on-hold with another agent, who was supposedly updating my address. All three asked me for all the same, repetitive security verification steps- one even sent me a code via text message - but none of them were able to execute a simple change of address. I spent a long, long time on the phone. Note : I had been on-line to add my new address by myself, and change it to my primary address - vis CapitalOne 's on-line system - but CapitalOne 's system kept sending the same error message to me - over and over ... that it " couldn't recognize my ( new ) address ''!!... the simple street address where I live, and where I now get all my mail and statements from several other credit card companies. Out of frustration, I told the agent to please " cancel my credit card and CapitalOne accounts ''.. They couldn't and wouldn't.. I went on-line to cancel all my CapitalOne accounts- and there was no way to do it there either. There was not even any way to reach someone at CaptialOne by eMail or messaging - after getting nowhere when speaking with several 'humans ' on the phone. I tried to make a complaint on CapitalOne 's system, but there was no way to do that either. 
Net : CapitalOne employees and their so-called Customer Support Center wasted all my time, they could not even make a simple address change, they did not Cancel my card or any accounts as requested,, and they had NO mechanism - on-line or via their systems - to accept or register a complaint, nor a mechanism for me, a Customer, to escalate a problem to more senior people or management within the CapitalOne organization. Very, very poor Customer Support and service. It was 'no service ' at all ... in-person or via their systems. Evidence of a poorly managed company, for certain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CO

Complaint narrative:
I am XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

XXXX, Equifax, and XXXX are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I have sent many prior requests to the credit bureaus to reinvestigate several inquiries that were not authorized by me.Are n't they required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by the credit bureaus- XXXX, XXXX and Equifax. 

I will once again list the inquiries in need of investigation AND PROOF THAT THEY BELONG TO ME : 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 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 


SHOW ME PROOF THAT THESEINQUIRYS WAS AUTHORIZED BY ME OR REMOVE THEMFROM MY CONSUMER REPORTS. I DID NOT AUTHORIZE THEM. - SECTION 609 STATES THAT YOU NEED TO PROVIDE THE APPLICATION THT WAS FILLED OUT FOR THE AUTHORIZATION APPROVAL. I DID NOT AUTHORIZETHESE INQUIRIES.DELETE THEMFROM MY CREDIT REPORT. 


I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am? 

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this COMPLAINT. 


Cordially, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CO

Complaint narrative:
I am XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

XXXX, XXXX, and Transunion are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.

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 2023-01-11 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: CO

Complaint narrative:
I am XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

Experian, XXXX, and XXXX are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.

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 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
When Citizens bank attempted to take an automatic payment for my mortgage from my checking account, they were unable to do so because of some large pending purchases I had on that day. I was never called, texted or emailed about this issue and instead it was reported to all XXXX credit bureaus as a defaulted payment. I only found out about this " late payment '' when I logged into XXXX XXXX and saw that my scores dropped by nearly XXXX points! Who knows how many payments would have been late had I not seen this. I called customer service at Citizens and I was patronized by the off-site associate and was told that there is nothing I can do about it. She said that they sent me a letter in the mail which I did not receive nor do I think that is an appropriate means of notifying someone of something urgent. I don't think this is good faith practice by them at all. I am able to pay my mortgage and what is owed but I want to rectify my credit impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
I purchased a car from XXXX XXXX XXXX in XX/XX/2022. The loan was financed through Auto Advantage Finance. I have contacted the financing company several times over the phone. I have been to their private customer service center in person and spoke face to face with account mgmt supervisor. I have followed their instructions for reporting issues and getting resolution by making a complaint online with their customer service department. They continue to tell me to contact XXXX and XXXX to make a dispute. I have done that as well and they told me that there is nothing that can be done about disputing an account that they have not received from the financing company. It has been 10 months and I have not been able to get any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: WY

Complaint narrative:
Debt collector attempted to collect on a proven paid debt, debt collector could not provide a professional license ID Number, debt collector asked for sensitive information that was not necessary to continue the interaction. Debt collector acted rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Certify Student Services
State: NC

Complaint narrative:
Called XXXX to ask if they were receiving any money from me because I had been sending payments through my bank account to Certify Student Services loan company. The representative at XXXX informed me that they do not work with 3rd party companies and that there should be no money coming out of my account right now because all student loans were frozen until further notice. Then I was told to report the company. I Informed XXXX that Certify Student Services had been taking money out of my bank account since XXXX of 2022 for {$120.00}. Then told by representative that they have not received anything and to please report the company because they are not on the list of companies to handle student loans. And if I am lucky, I may be able to get some of or all of the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 I have sent many prior requests to the credit bureaus to reinvestigate several inquiries that were not authorized by me.Are n't they required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by the credit bureaus- Transunion, XXXX and XXXX. 

I will once again list the inquiries in need of investigation AND PROOF THAT THEY BELONG TO ME : 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 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 


SHOW ME PROOF THAT THESEINQUIRYS WAS AUTHORIZED BY ME OR REMOVE XXXX MY CONSUMER REPORTS. I DID NOT AUTHORIZE THEM. - SECTION 609 STATES THAT YOU NEED TO PROVIDE THE APPLICATION THT WAS FILLED OUT FOR THE AUTHORIZATION APPROVAL. I DID NOT AUTHORIZETHESE INQUIRIES.DELETE THEMFROM MY CREDIT REPORT.

I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am?

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this COMPLAINT. 


Cordially, 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 explanation
Consumer complaint received 2023-01-11 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: FL

Complaint narrative:
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 I have sent many prior requests to the credit bureaus to reinvestigate several inquiries that were not authorized by me.Are n't they required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by the credit bureaus- XXXX, Experian and XXXX. 

I will once again list the inquiries in need of investigation AND PROOF THAT THEY BELONG TO ME : 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 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 


SHOW ME PROOF THAT THESEINQUIRYS WAS AUTHORIZED BY ME OR REMOVE XXXX MY CONSUMER REPORTS. I DID NOT AUTHORIZE THEM. - SECTION 609 STATES THAT YOU NEED TO PROVIDE THE APPLICATION THT WAS FILLED OUT FOR THE AUTHORIZATION APPROVAL. I DID NOT AUTHORIZETHESE INQUIRIES.DELETE THEMFROM MY CREDIT REPORT.

I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am? 

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this COMPLAINT. 


Cordially, 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 2023-01-11 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: FL

Complaint narrative:
I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MY CHAIN AND MONEY. DURING THAT TIME A LOT OF HOUSES NEAR ME HAD THERE ROBBED BUT IT SEEMS AS IF THE POLICE ISNT DOING ANYTHING ABOUT IT. THERE WERE A FEW NAMES ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN ARRESTED FOR IT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE/BLOCK THIS FRUAD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT ACCOUNTS:
Account name
XXXX  XXXX XXXX XXXX
Account number:
XXXX   
Account name
XXXX XXXX  Account number: XXXX,
 
Account name: XXXX  Account number:
XXXX  





FRAUDULENT INQUIRIES:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX



FRAUDULENT ADDRESSES:
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-01-11 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and caused defamation of my character : 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 
12 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.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My address is incorrect on my Equifax credit report but correct on XXXX and XXXX. I have downloaded documents to their website portal and taxed them proof my address is incorrect. I sold my house, Moved away for a year then bought a house at a different address. They put.down my old address ( the house I sold again. ) When XXXX pulled my credit Equifax said I didn't have a credit file. I have tried for 3 months to get this corrected without any success! My personal information was also compromised by their data breach and I didn't receive the compensation they promised after I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX not able to access my credit report

Company response to consumer: Closed with explanation