vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: MN

Complaint narrative:
I found that someone elses furniture account ended up on my credit report. I at first thought it was stolen identity and filed a police report.An investigation was done and the investigation showed that the person had a similar name as me but they intact used their own social security number.the police concluded that the credit bureaus made a mistake. I sent experience the information proving it was not my account and more than a year later they still refuse to get this account off of my credit report.Prior to this my credit score was over XXXX is now below 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 2023-04-20 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: IL

Complaint narrative:
Experian has been given the proper documentation to stop reporting and delete the negative information on my credit reporting. All three credit bureaus failed to provide the proper investigation in regards to this matter. Experian at one point had disabled my ability to submit a dispute complaint online against XXXX XXXX XXXX. Experian have no control over whats being reported and that I would have to reach out to the companies that is doing the reporting. I have reached out to both XXXX XXXX XXXX as well as XXXX XXXX. Both companies assured me that they were not reporting anything to the credit bureau. XXXX representative said they XXXX XXXX XXXX was telling a bold faced lie, and that they were reporting negative results on the back end. If the credit bureaus know the Information is falsely being reported, and I have provided them with the proper documentation why continue to report the information thats be requested to be deleted. They never reached out to XXXX XXXX to confirm any of my information. The only information that the credit bureaus are accepting verbally over the phone is what XXXX XXXX XXXX is telling them. XXXX XXXX XXXX sold my account with all my personal information to another third party company without my permission. XXXX XXXX XXXX doesnt want to provide me with any form of documentation to release me from their system. They flat out told me no. Thats not right. I have been denied housing and the ability to purchase a house. XXXX XXXX XXXX has been reporting erroneous information purposely since XXXX. The car was in a car crash and was considered a total lost. XXXX XXXX XXXX XXXX XXXX XXXX from an insurance claim XX/XX/XXXX. After receiving the payment from XXXX XXXX XXXX XXXX XXXX continues to report wrong and false information to the credit bureaus. If looked back over the years you can see all the errors that have been reported to all three credit bureaus has been wrong and 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 2023-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: TX

Complaint narrative:
I have a loan through System And Services Technologies ( SST ). Their website is https : //accountinfo.comXXXX 

I have had a few instances of late payments that have been rectified by their tactics have grown to be excessive. The previous series of communications involved 2-3 calls, two text messages, and 2 emails daily until the account was made current. I responded to one of the texts and they responder was aggressive and rude but toed the line on breaching FDCA. 

The incident I am more concerned about is their current campaign. I was 5 days late. Each day after due date their calls and emails began to increase. I made the payment yesterday ( XX/XX/19 ) and even after they payment they called me 4 times one of which was from different phone number. 

I've had the account for 2 years and while there have been times I've struggled to stay current, I have always made it current. 

Their tactics are causing unnecessary stress and frustration. This company has no compassion or wiliness to work with people to resolve the balance in reasonable fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX. I just noticed that my statement balance in my XXXX XXXX card in which Im the authorized user on this card. The statement normally closes on the XXXX of every month. It closed a day before causing my credit score to had dropped. I am trying to dispute my statement balance is over the limit it is supposed to be. The last XXXX digits of credit card is XXXX it is from my XXXX XXXXXXXX XXXX rewards card

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 2023-04-20 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: CA

Complaint narrative:
I send the FTC affidavit with the police reports and this accounts and inquires listed are fraudulent and I demand to be removed right away. i also filed a complaint with the CFBC for the not removing this account in XXXX within the time allowed by law. 

Accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
I have called Equifax, XXXX and XXXX as well as submitted letters about permissible purpose, validation and incorrect items on my credit report pertaining to inquiries and child support payments from Attorney General. They have refused to remove it and its keeping me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
I have called XXXX, XXXX and Experian as well as submitted letters about permissible purpose, validation and incorrect items on my credit report pertaining to inquiries and child support payments from Attorney General. They have refused to remove it and its keeping me from buying a home.

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 2023-04-20 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: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$560.00} ). Please remove it from my credit report. 
The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$580.00} ). Please remove it from my credit report. 
The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$400.00} ). Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX. I just noticed that my statement balance in my XXXX XXXX card in which I'm the authorized user on this card. The statement normally closes on the XXXX of every month. It closed a day before causing my credit score to had dropped. I am trying to dispute my statement balance is over the limit it is supposed to be. The last XXXX digits of credit card is XXXX it is from my XXXX XXXX XXXX rewards card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NJ

Complaint narrative:
I want to complain about CIT Bank. They offered great saving account interest rates. When I tried to open the account on XXXX XXXX XXXX and XX/XX/23. It took all my personall unformation, ( including SS # and mothers Maid name ) then gave me a message that they " regret to inform me, we have elected to not open a bank account for you at this time ''. They gave me no explanation. I called to open an account on the phone and they told me that they have algorithims ( that he is not familar with ) that screen application. 

I gave my personal information and got no assorances that this information is being held confidentially. I think its wrong what this bank is doing. Asking for personnal infomration taking it and then when all is said and done not even saying that my information will be held confidentially. Also I should not why I am not being allowed to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am reaching to your company, in hopes to have these closed accounts removed from my credit report. I was not knowledgeable about credit scores and reports in the past, and now that I am more aware I see that these accounts are affecting my credit score negatively. I am hoping to move forward and build credit starting with removing these closed accounts please. 

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 explanation
Consumer complaint received 2023-04-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The account is paid off. I have screenshots to prove it. Additionally, XXXX has released the vehicle title which is now in my possession.

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX. I just noticed that my statement balance in my XXXX XXXX card in which I'm the authorized user on this card. The statement normally closes on the XXXX of every month. It closed a day before causing my credit score to had dropped. I am trying to dispute my statement balance is over the limit it is supposed to be. The last 4 digits of credit card is XXXX it is from my XXXX XXXX XXXXXXXX rewards card

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Goldman Sachs or Apple card decreased my credit limit to almost 1/3 of what it used to be. The information they are using to make this decision is not accurate. Legislators designed the CARD Act to protect consumers from unfair and abusive practices by credit card companies. The acts credit card safeguards fall under three broad areas : consumer protections, enhanced consumer disclosures and protections for young consumers. Under the CARD Act I should have been notified 45 days in advance that my credit limit would decrease additionally, I should have also received an adverse action letter about this. However that NEVER happened. I never received my adverse action letter or any form of notification that my credit limit was going to increase, This is discriminatory, and predatory because if they are notyfing others and not me that does not give me a fair deal or fair treatment. Additionally the information they are using to make the decision Is not accurate. The timing of when they made the decision leaves a lot of room for question because the transunion report they are receiving is not accurate. In fact my credit with XXXX is currently frozen b/c i am disputing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My old credit card ( ending in XXXX ) was set to expire in XX/XX/XXXX, so as per Capital One Bank rep their system auto-generated new cards and mailed them to my address on file on XX/XX/XXXX. Capital One said the letter was supposed to be delivered by XX/XX/XXXX ; however, I never received the letter and the new credit card that they sent. On XX/XX/XXXX, between XXXX and XXXX, I received numerous texts and calls from random numbers, but I didn't respond or click any links. I even had to turn off my phone because I'm in the middle of review for my exam and was getting distracted. At XXXX, I saw a notifications from Capital One detailing three large unauthorized transactions ( {$7000.00}, {$12000.00}, and {$7700.00} ) at XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX XXXX XXXX NY XXXX I immediately called Capital One to dispute the charges and lock my card. 

On XX/XX/XXXX, Capital One informed me that the dispute process was completed, and the charges were considered valid ( case # XXXX ). When I called to dispute their decision, they insisted that I needed a person of interest for reconsideration. The representative, XXXX ( XXXX : XXXX ), explained that the new card which I never received ( XXXX exp XX/XX/XXXX ) was activated using my phone number and used at XXXX XXXX XXXX XXXX. I contacted and visited XXXX XXXX XXXX XXXX  XXXX XXXX, but she said further details could only be provided to law enforcement. When I went to the police station, they told me they needed an affidavit letter from the bank stating the charges were fraudulent and suggested hiring a civil litigation lawyer. 

On XX/XX/XXXX, I found and retained XXXX XXXX XXXX to help with the dispute. Despite our efforts, Capital One refused to provide an affidavit letter, as their system showed the transactions were made using the new card ( which I never received ) and microchip activated with my phone number. My detailed XXXX phone records prove that I never called Capital One to activate a card during XXXX or on XX/XX/XXXX, but they still won't accept this as evidence of fraud. They said they can not compel the merchant to submit evidence of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
an account XXXX is XXXX balance on my credit report with all 3 bears but I paid it in a settlement I have proof that it is was Paid for you are in direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A clearly states that I have the right to privacy. 15 U.S.C 1681604A section2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as later any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: FL

Complaint narrative:
n 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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX 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 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 2023-04-20 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: FL

Complaint narrative:
XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Collection management whom I dont have business with ( Did not sign a contract ) .Reported this account to my consumer report and it has caused damage and losses. {$680.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: CA

Complaint narrative:
I am writing again this complaint to EXPERIAN I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact these accounts are totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2023-04-20 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: Capio Partners, LLC
State: AR

Complaint narrative:
Hello, I have 2 companies, Assetcare & Capio Partners, reporting the same debt on my credit report. The debt theyre both referring to was initially stated as being started in 2020 ( per the Assetcare INITIAL report ). I disputed the debt from Assetcare about 2 months ago and the debt remained, but the date then changed to reflect that the debt was acquired in XX/XX/XXXX. I tried to then dispute again due to the inaccurate information change, but the debt came back verified. Today, XX/XX/XXXX I got a notification that Capio Partners is reporting the same debt from the medical company. So that leaves both debtors reporting the same debt. I feel like this has to be a scam. Please look into this.

Company response to consumer: Closed with non-monetary relief