vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 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: IL

Complaint narrative:
Every hard inquiry on my credit report except XXXX XXXX on XX/XX/2021 need to be removed. They were posted without my permission! Its hindering my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX  and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being XXXX XXXX, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides XXXX  and XXXX  XXXX. I can not name names, do to the fact that I was in the XXXX XXXX XXXX XXXX The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience. Company never verified the account information prior to submitting it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: GA

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 : Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states I have a 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 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 reason 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 2022-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Velocity Portfolio Group
State: NV

Complaint narrative:
On XX/XX/XXXX, I was served with a summons at my home for a lawsuit. The options to select in this complaint are about being sued in a state where I don't live, but this complaint is because CKS Prime Investments is not licensed in my state as a collection agency as one of the several complaints I have with this lawsuit. 

I sent a certified response to their attorney XXXX XXXX on XX/XX/XXXX. I asked for the XXXX, the forward flow agreement between CKS Prime Investments and who they have listed as the original creditor XXXX XXXX XXXX XXXX . And lastly, I asked for an original contract with wet signatures between myself and CKS Prime Investments. 

In response, I receive a package from Attorney XXXX which contained several months of statements and a bill of sale. In the bill of sale, it appears that an organization called XXXX XXXX XXXX XXXX XXXX may have sold or transferred a batch of accounts to CKS Prime Investments , LLC. This in no way provided me any evidence which I asked for. There is no way that that bill of sale identified my " account '' as being part of this transaction, it also did not show where The XXXX XXXX XXXX  assigned anything to CKS Prime Investments , LLC. 

In the lawsuit, it claims that The XXXX XXXX XXXX sustained damages and those damages were passed on to the plaintiff CKS Prime Investments , LLC. It mentions that " Plaintiff  is informed and believes and on such information and belief alleges that each of the fictitious names Defendant are in some way responsible for the damages sustained by Plaintiff  in this action. '' What is meant by fictitious names? As my name as a natural person is verifiable and is listed when referring to me as a defendant. 

The lawsuit alleges that " Defendant defaulted on the account on or about XX/XX/XXXX ''. And " On or about XX/XX/XXXX, The XXXX XXXX XXXX or its assignee, assigned or otherwise transferred to Plaintiff  ''. However, in the bill of sale which was mentioned above from XXXX XXXX XXXX, it clearly states the purchase/sale was entered XX/XX/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 2022-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a checking account with capital one which was recently closed by the bank. I was depositing part of my divorce settlement fund to the account, then realized that capital one has very low interest rate, so I tried to move the money into my XXXX bank which has a much higher interest rate. The bank found this activity/ check suspicious, and even after numerous phone calls and verifications from the check owner on the source of the funds, the bank closed the account. When I spoke to the bank the last time, they said my funds would be mailed to my address and this has been almost a month and I still have not received my check. Whenever I call the phone number, either my phone number is blocked or my account is blocked so I can't reach any live person. From my XXXX statement I had a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Every month the XXXX XXXX XXXX  sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Every month the XXXX XXXX XXXX sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Every month the XXXX XXXX XXXX sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the XXXX pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.

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 2022-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
I have been sending multiple letters to the Bureaus since about 4 months ago. I am getting computer generated responses and stall letters, especially from XXXX after I have asked for validation multiple times. The information from the creditors that is reporting to the Bureaus are not reporting 100 % accurate information which is against the FCRA. XXXX and XXXX are also having collection account statuses listed as OPEN. There has been no XXXX release form presented as I requested either. I have exhausted my efforts, gave several chances. Now I am demanding for these accounts to be removed completely since they are illegally reporting inaccurate information. Please view the screenshots of the accounts with the account names, account # s, and dates mail have been sent. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics surgery. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience. Company never verified the account information prior to submitting it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
An Amazon Store Card was opened fraudulently under my nickname XXXX XXXX. I called Symchrony and they 'shut down the account, cleared my responsiblity, and notified the major credit bureaus ' yet continue to harrass me and actually sent me a new charge card. 
Please help as the phone calls are daily

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 2022-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Cks prime investments has contacted me about a debt a month ago I have asked for validation letter never received the letter only got a bill with the company name with my name and address on it

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 2022-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Hello, I was recently XXXX  retired  from the XXXX this year in XXXX. I was never told that about this program helping with interest rate problems. I purchased my car in XXXX  with an interest rate at 19 %. Later on I was able to refinance to get what I thought would be a under 10 % rate but it was lowed to only 13.29 %. The refinance was with Navy Fed. I would like to know what I can do with your company to get this taken care of. I know that the interest rate was have been around 6 % when I was active. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX XXXX permitted an account to be fraudulently opened with my maiden name, email address, date of birth, social security number, and a former residential address on XX/XX/2022. When questioned about how this was permitted, XXXX XXXX XXXX claimed that they use ChexSystems as their authenticator and that I could place a security freeze with ChexSystems to prevent future fraudulent accounts from being opened. I had previously placed a ChexSystems security freeze on my information on XX/XX/2022. When I shared that with the XXXX XXXX XXXXXXXX representative, she said that their system should not have permitted the account to be opened. Nonetheless, it did. XXXX  XXXX XXXX representative was able to close the fraudulent account, but did not provide any clear further actions that XXXX XXXX  XXXX would be taking to prevent a fraudulent account from being opened with my information in the future.

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I made a complaint through this complaint process for Transunion and the complaint response did not address not XXXX thing that I complained about and the CFPB closed the investigation or complaint. The issue was never even addressed! Transunion refuses to unlock my online credit report so I can dispute inaccurate information. It already been over a year since I was able to access my Transunion credit report. This is my second complaint and I am ready to contact an attorney because I still can not get a live person, I can not access my Transunion credit report and I can not access to dispute the information. There is a XXXX car loan that needs to be removed! I can't do that because I can not get my account unlocked!

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 2022-11-13 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: GA

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 : Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX BANK Account Name : XXXX CREDIT Account Name : XXXX XXXXXXXX AUTO FINANCE 15 U.S.C 1681 Section 602 A states I have a 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 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 reason 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 2022-11-13 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: GA

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 : Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX BANK Account Name : XXXX CREDIT  Account Name : XXXX  XXXX AUTO FINANCE 15 U.S.C 1681 Section 602 A states I have a 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 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 reason to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  has kept calling my husband 's mobile phone ( XXXX ) asking for me but never stating their purpose, XXXX, but never on my mobile phone of : XXXX in order to state the nature of the call. To my knowledge, they had both of our phone numbers and had automatic payment setup but instead now they have forwarded us to a collections agent! This is not the customer service that my XXXX  XXXX provided when he XXXXXXXX XXXX  XXXX as a XXXXXXXX XXXX- this is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: OK

Complaint narrative:
I have no knowledge of these accounts on my consumer report. 
I have attached the IDENTY THEFT REPORT, Hard Inquires- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I have asked for a copy of a signed SSA-89 and an original contract form from me to them giving them access to my credit report profile ( s ). They have not provided it and are still accessing my consumer credit profiles. They are engaging in the theft of my identity. Please see attached.

Company response to consumer: Closed with explanation