vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One Quicksilver card. 

I discovered that there were charges from XXXX ( that I have never used ) for {$310.00} charged for 8 months. 

I also discovered that there were charges from XXXX XXXX  for XXXX from XXXX XXXX XX/XX/2023. 

I tried to find the accounts and contact the merchants but could not login or find an account. 

I. contacted capital one by phone on XX/XX/XXXX. The dispute dept initially seemed legitimate and in line with other cards, They immediately refunded the money - but then TOOOK IT BACK OUT OF MY ACCOUNT HTE VERY NEXT DAY!??? 

XXXX XX/XX/XXXX I called themt o ask why they had done this, They said that they had done an " extensive investigation : ( in 24 hours!?? ) and found that they were my accunts and htey had no more information and I could not appeal ti. They said they had no name, phone numenr or address or way for me to take this any furtehr. IN informed them I would contact the consumer finance agency and XXXX. They said " go right ahead '' The agent ( XXXX and XXXX no last names of course! ) paused for about 20 seconds after I spoke each time and kept reading a script ( as these companies do ). 

I am appalled, I have had a new card issued but I have never experienced a company that admit that they do not call to investigate ( they said they never contacted XXXX or XXXX but sent some sort of electronic tracer ) and they basically insinuated that I was lying, I asked them to show me my account or details and they did not have it. 
I was unable to contact XXXX or XXXX in any way. 

CAPITAL ONE should not be allowed to allow merchants take money in this predatory manner. 

I want my money and the interest from one year back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1400.00}.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a report with the FTC. This took place XX/XX/22 and i did not give authorization according to 15 U.S. Code 1681b ( permissible purpose ) for my credit information to be furnished.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1400.00}.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
Yesterday, XX/XX/XXXX was atrocious the lack of respect for those battling invisible XXXX like myself was monstrous. Tuesday, XX/XX/XXXX I spoke with two different XXXX My church called Omni and made an agreement to pay. Due to me being in an emergency crises it was communicated XXXX XXXX had to pay by XX/XX/XXXX or my car would be transferred to an auction location closer, so I could get my stuff. I spoke with XXXX which an after hours operator at XXXX am on the XXXX or XXXX due to desiring to get my car. I spoke with a plethora of people. However, at XXXX XXXX a supervisor called me and expressed he couldnt bring me the car. I had to contact XXXX ( XXXX XXXX XXXX ). I called him after Wednesday to report that I couldnt make it due to no money. XXXX stated it would be in my best interest to pick the car up Friday at XXXXXXXX XXXX which is Friday. Upon arrival security and supervisors were not prepared XXXX XXXX triggered me. My son and I had to rush to our XXXX. The trip up was {$110.00} plus tip. There are so many issues when my car was picked up I had just got an oil change and due to the transmission leak. I was encouraged to get oil changes. My car has XXXX miles, but I had got an oil change XX/XX/XXXX the mileage was XXXX miles and the anticipated oil change date was XX/XX/XXXX. My XXXX XXXX XXXX son was with me. He looks XXXX. THE MAIN PROBLEM IS THEY USED THE LOW XXXX to get back at me for the misunderstanding. XXXX XXXX called XXXX XXXX where she escorted me over to redemption. Then, XXXX XXXX answered my question inappropriately. Then, a XXXX woman that they wouldnt give me name appeared. She treated me horrible. The lady says she can whoop my XXXX and charges at me. I got in the boxing stance to let her know I wasnt scared. After my exchange XXXX tries to calm me down, but it isnt working. XXXX XXXX expressed that his mom has XXXX but she can controls hers and doesnt spit on people. I didnt do it intentionally I told my medicine and I was spraying it and I was praying. XXXX XXXX was the supervisor. I had an emergency tooth extraction, my son didnt have on a coat on, and no money. XXXX should have did what he needed and Toyota Omni. It was expressed that it was never reported that there was a lien release and taking the car. I have been sick all day until the present moment of XXXXXXXX XXXX and this was done in front of my son. XXXX didnt tell me no kids. He said I had to have a license and the drivers plate. Now, my car is off and in the hood at XXXXXXXX XXXX, so if someone steals what left of my car then what?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting 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:
XXXX XXXX IS REPORTING AN ACCOUNT AS COLLECTIONS TO MY CREDIT REPORT BUT IT IS NOT MY ACCOUNT. IT IS A RESULT OF IDENTITY THEFT. PLEASE HAVE XXXX XXXX REMOVE IT FROM MY CREDIT REPORT AND DO AN INVESTIGATION I HAVE SUBMITTED ALL REQUIRED DOCUMENTS

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 2023-12-09 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX  I went to XXXX XXXX XXXX XXXX to purchase a car. I came in with a pre-approval for XXXX XXXX. They used high pressure tactics to coerce my into signing an application for their own in-house financing. They told me that was the standard and that I could not apply for financing without doing their own in-house paperwork even though I told them I wanted the loan I had pre-approved and printed out in-hand. I told them I only wanted one inquiry on my credit record and they promised me that there would only be a single hard inquiry. As it turns out they were being dishonest and were indeed just coercing me into applying for their in-house product and not the XXXX XXXX loan I had pre-approved. They were unable to beat the rate I had pre-approved from XXXX XXXX via their in-house financing and so they took it upon themselves to shop around of their own volition. This resulted in 5 additional hard inquiries on my credit report. There are inquiries from companies we never even discussed or talked about that day such as XXXX XXXX XXXX XXXX  ( we never discussed ) or Bank of America ( also never discussed ). I now have multiple hard inquiries on my report which I did not authorize. The only other company we discussed was XXXX and they told me that was because XXXX XXXX was unreliable and didn't pay the money they were due so it was better to use 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 2023-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
In XXXX I was going through a bad XXXX  and was unable to receive any mail for a debt that this credit company said I owed, they ended up suing me and I didnt even know about it, I contacted the landlord/property management and they refused to give me any info. I couldnt afford a attorney to research it and now 7 years later they are trying to garnish my paycheck for double the amount they were originally suing me for, again I have not received any letter or info before garnishing me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Credit bureau reporting a fraudulent account in my report. 

XXXX XXXX credit card account number XXXX The account does not belong to me and my info was stolen at time account was opened. I have filed a police report for the identity theft and attached to this complaint!

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 2023-12-09 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I do not recongnize these credit inquiries and I have asked for them to be removed. The bureaus did not do as I asked. I am providing an identity theft report which I will attach to this and I am requesting them be removed because it is inaccurate and not mine.

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 2023-12-09 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals sent. No response has been received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be deleted immediately : XXXX XXXX XXXX # XXXX XX/XX/2018 {$8900.00}

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 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I was not aware of the interest rate until I received the second statement which shows an interest rate of 31.24.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-09 00:00:00
Product: Credit reporting 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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