vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 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: VA

Complaint narrative:
In accordance with the In accordance with the fair credit reporting act The list of accounts below has violated My federally protected consumer rights To privacy and confidentiality XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX account # 2024 has violated my rights XXXX & XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX Now account XXXX XXXX XXXX U.S.C XXXX Section XXXX A States I have a right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It also states that a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section 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 records of convictions of crimes which antedates the report by more than seven years XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas)
State: MA

Complaint narrative:
this is the situation so i paid off the utitly company the cable company they send to collection to collect a XXXX balance i have try to talk to them for several time about this situation to take this negative mark and they would not take it off till i paid and it show its paid off and they company jnow i had paid them off. so what they are doing its a frandulent act, on my credit report i have talk to them and i ask them and they are not willing to remove this i need some help with this situation.

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 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX -- -- XXXX {$0.00} XXXX -- -- XXXX {$0.00} XXXX : XXXX -- -- XXXX {$85000.00} XXXX : XXXX -- -- {$100.00} I Opened my account XXXX online and the application was completed over the phone by a capital one rep to go through some verification process, After the verification was completed the rep opened my account successfully and I begin to use my account. On XXXX my account was compromised and I reported to the fraud department. After my claim was done and my funds were credited back to my account, capital one refused to grant me access to my fund and I was told my social couldn't be verified by the social security department which is strange. I can reach anyone on the phone and they have held my funds and refuse to grant me access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: AZ

Complaint narrative:
My social security comes to me by direct deposit into my Direct Express debit card. On two separate months now I have been charged by various online companies that I NEVER AUTHORIZED. I have lost over XXXX to this fraud. I have reported the fraud, however, Direct Express will NOT reissue my money not stop this from occuring. They claim these charges were authorized. I NOT ONCE have signed up for anything they authorized. I have filed my dispute but it goes unanswered. I need help. I am XXXX and loosing my income over this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: MO

Complaint narrative:
XX/XX/XXXX This solar system that I purchased from XXXX XXXX XXXX XXXX The system is not performing or achieving electric bill saving as was expected. The installation was awful. We were wired wrong for several months. And when they got that finished. I think our system is to small for our house. We had to get a loan for XXXX. Then XXXX XXXX our pv link went out. We are running now. But now XXXX XXXX XXXX has gone out of business. So now we don't know where the agreement and upgrades stand with this company. Can u help. Tried to get help from them many times. There lawyers and all but everytime they want you to sign this horrible resolution agreement. I will not sign. Because it null and voids all the upgrades and service the system my need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
I requested a refund from EdFinancial on XX/XX/2022 and have yet to receive any follow up or refund from them. Other loan providers are providing refunds in much less time than what EdFinancial is trying to give refunds in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: Experian Information Solutions Inc.
State: MD

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. has violated my rights. 

( XXXX XXXX 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  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-09-26 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: NY

Complaint narrative:
The following companies have reported unauthorized inquiries on my consumer report without my knowledge. These inquiries are : XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX EQUIFAX MORTGAGE SOLUTIONS ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX XXXX XXXX XXXX XXXX ( FINANCE ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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 taken equifax to court on a civil claim i have written them countless letters i was involved in the data breach where my information was taken i was also involved in the data breach with XXXX  XXXX i need a resolution the have my credit fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 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 a 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 non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Goodevening! I'm following the instructions provided on how to go about someone using my information for their own benefit without my approval. There is an account by the name of " CKS Prime Investments '' on my credit report is not me. The overdue amout owed is {$1100.00}. Once I noticed it was on my report I immediately contacted the creditors bureau for more information on how to get this off of my report. They also have an address linked to the account which shows up as XXXX XXXX XXXX XXXX, GA XXXX. If you need anymore information from me please contact me. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. has 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 For # C ) 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-09-26 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: MD

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. has 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 ) 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

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 2022-09-26 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I've opened 3 disputes with my bank PCN, one of them was approved without any issues ( case XXXX XXXX ) but the other 2 claims XXXX and XXXX were denied without any reason. All 3 transactions are from the same merchant and same issue. 
The seller never sent the items. I sent to the bank all the requested information, sales receipt, my signature.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have taken XXXX to court on a civil claim i have written them countless letters i was involved in the data breach where my information was taken i was also involved in the data breach with capital one i need a resolution the have my credit fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 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: TX

Complaint narrative:
I have taken XXXX to court on a civil claim i have written them countless letters i was involved in the data breach where my information was taken i was also involved in the data breach with XXXX XXXX i need a resolution the have my credit fixed

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 2022-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
I received a notice dated XX/XX/2022 from 1st Franklin Financial Corporation stating that I the consumer owe a debt that has not been validated or verified. I have sent a Conditional Acceptance and a Cease and Desist notice to 1st Franklin Financial and they have not provided me what I have asked for under perjury. 

I am a consumer these debt collectors can not state that I owe anything ( 15 United States Code 1692b ( 2 ). They also can not threaten to sue ( 15 United States Code 1692d ( 1 ) ) or continue to collect a debt after receiving a cease and desist ( 15 USC 1692c ( c ) which includes reporting false and misleading information to the consumer reporting agencies ( 15 United States Code 1692e ( 8 ). 

The collection efforts must stop or I'm going to have to pursue litigation with the abundant evidence that I have.

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 2022-09-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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 XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 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 a 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 2022-09-26 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  has violated my rights. 

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 non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XX/XX/2022 I applied for a credit card with Citizens bank after responding to a pre approved offer from them. 

On XX/XX/2022 I received a declined letter stating " UNABLE TO VERIFY INFORMATION PROVIDED ON CREDIT APPLICATION '' as the decline reason. 

I would like to note that the decline reason provided by the Citizens bank did not contain any factual information and referred to Citizens bank internal difficulties processing the information on my application. 

All information that was provided on my credit card application is 100 % verifiable and Citizens bank refusing to provide a proper factual reason for the application rejection indicates that Citizens bank is hiding the real reasons they would not approve for credit an application in my consumer class.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I XXXXXXXX XXXX  XXXX XXXX seen on or around XXXX to XXXX saw a lot of pre approvals on credit karma. At first i XXXX XXXX XXXX XXXX didn't pay it no attention but credit karma kept sending me all sorts of different pre-approvals and was telling me that i XXXX XXXX XXXX XXXX was also pre-approved for credit cards business and personal loans and that i can refinance my car. Everyday i XXXXXXXX XXXX  XXXX XXXX would see these offers every time i logged my email and to check my credit score. so after a few months of being told that i XXXX XXXX XXXXXXXX XXXX was pre-approved. I thought I was now in the right perfect place to apply. I got so many offers thought credit karma XXXX XXXX XXXX XXXX and pre-approved for credit cards and personal loan I started telling my whole family my kids and my love one about taken vacations and investments we were going to use these pre-approvals for. So i applied on or around some time in XXXX to XXXX and i got denied multiple times for 3 credit cards and a personal loan. I was distraught and i was very very angry and i felt deceived i was marketed to for many months. Credit karma told me that i was pre-approved this was a very big lie. I was severely stressed out I was nauseous for weeks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now every time i see pre-approved I immediately close my phone and shut my computer off. This has made me so uneasy anxious that i haven't checked my credit as frequently as i should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: DC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation