vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
To Whom it May Concern, I have reviewed my consumer report and discovered your company has misused its authority in communicating with the credit reporting agencies. 

The line of credit I extended with your company ( CAPITAL ONE ), regarding ACCOUNT NUMBER XXXX According to CONGRESS you are in VIOLATION OF FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681sXXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IN FACT, the law states that EXPERIENCES ( UTILIZATION, LATE PAYMENTS, AND INQUIRIES ) between the consumer ( XXXX ) and the person ( YOU ) ( CAPITAL ONE ) making the report should not be included on my consumer report. 

You have seven ( 7 ) days to UPDATE MY BALANCE TO {$0.00} AND DELETE THE UTILIZATION FOR THIS ACCOUNT, REMOVE ALL LATE PAYMENTS STARTING FROM XX/XX/2019 TO CURRENT AND FUTURE MONTHS, SHOW THE ACCOUNT AS BEING IN GOOD STANDING, and REMOVE ALL INQUIRIES DERIVED FROM YOUR COMPANY ( CAPITAL ONE ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased a {$2400.00} firearm from a person on XXXX website on XX/XX/XXXX, and the person started to communicate with me through emails to arrange my payments. I sent the person {$1400.00} through Venmo app on my cell phone on XX/XX/XXXX. My Venmo account was connected to my XXXX XXXX checking account, when I sent {$1400.00} to the person, the {$1400.00} was instant available to the people on XX/XX/XXXX. 
I got an email from XXXX on XX/XX/XXXX and the header is ** Do Not Send Payment**. This email also states " there is a chance the transaction could be fraudulent and the sellers account has been compromised ''. My order was cancelled by XXXX but I have made payment to the person, so I tried to get my {$1400.00} back from the person. I saw the transaction was posted on my XXXX XXXX account on XX/XX/XXXX. I contacted XXXX XXXX and Venmo customer service on XX/XX/XXXX by phone, but they could not help me with anything for this transaction because I initiated it. I emailed the person and tried to request my money back from Venmo app but the person did not do so. I have reported this incident to my local police department on XX/XX/XXXX. I do not have the person 's any bank information. The Venmo app money transaction between the person and I was easy and very very dangerous. All we need is the Venmo account ID then we can send or request money from the other person. Using Venmo app to send money is very unsecure and non reversible especially I am not familiar with the app. When I realized it was a scam everything is too late, the scammer already got my money, and Venmo company can not do anything to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have made payments on my card in the last week and a half that total over {$3000.00}. These payments have been pulled from my bank account, but my available credit ( purchasing power ) has not increased like it is supposed to once a payment post. I contacted Goldman Sachs Apple Card and they were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-13 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 relatively new credit card from XXXX was compromised almost as soon as it was issued to me. I suspect this was an inside job by a person or persons in their employ, as the card number turned up on my bill, showing usage at pizza restaurants in southern states, and for amounts of pizza that I as a single person could not eat in a month. I believe it was party time at the offices where such cards are made or mailed out to people who apply to open new accounts. The company made some effort to cancel improper charges, but I never got a reconciled report of all transactions, though I requested one. They are now treating the card as active, and adding late fees and such, when all I wanted was to be rid of them and their various " service charges ''. They have been oblivious to my responses and request to CANCEL the XXXX card, and they are proceeding as though tardiness charges on the unwanted card are my responsibility to pay!! XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: VA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I submitted a dispute in XX/XX/2021 and never was given any information. On my credit report XXXX and Transunion are reporting that XXXX 's XXXX was over 30 days late multiple times. I have my transaction history to prove I wasn't late.

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 2022-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: ID

Complaint narrative:
I paid off my car loan at the beginning of XXXX. They claim they sent the title, I never received it. They now have been promising to send me a release of XXXX paperwork so I can get a duplicate and have not received it. It has been 2 & 1/2 months going on three months. They have a call center that refuses to transfer you to anyone. They say they have to email The title department and can not transfer or give me another number. I have called probably 2 dozen times, they always say it takes 15 days. I have yet to receive anything!

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: KY

Complaint narrative:
In 2015 I first contacted all 3 bureaus requesting a correction, monitoring and also tried to dispute the accounts that I didn't authorize. I sent in all identifying info they asked for. Still no changes. I am still having problems with the same issue please assist me in correction of 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 2022-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: NM

Complaint narrative:
I purchased a used vehicle XX/XX/XXXX, payments of {$330.00} monthly, Was working Full time. Made 4 month 's of payments on time. 
Early XX/XX/XXXX Covid -19 arrives. 
Furloughed from work. 
I start recieving harassing calls constantly everyday from XXXX am to XXXX pm, voice-mail s emails but no letters. Until finally my car is repo ed by tow to a hidden place. Was not told where it was until I was forced to pay what the arraignment was.. Repo # XXXX phone # XXXX payment {$700.00} Plus catch up payment {$580.00} Even having paid the calls still came as a reminder, but I felt Harssased, constantly. 
Monday thru Sunday. 
Was called back to work XX/XX/XXXX Back to bi weekly pay, shedualed payments monthly again. 
But previous arraignment was to pay weekly to catch up. Still under Covid restrictions mean while. 
Calling me everyday at work XXXX until XXXX pm, never giving up the harassing and bothering calls, I was frustrated by the methods of the dept collectors. 
I was fed up. Being a used car, I was having some car trouble with the electronics and seat sensors. Fell behind again, but notified the company and we agreed to make catch up payments again. 
Apparently it was put up to re-po and was Repossed for the 2 ND time. XXXX? 
Came back around paid again to get my car back. Emmeidiately, the calls. By this time I'm going crazy, thinking about how to stop this, I posted a blog on their website about how they call to much on the daily if u fall a little behind and if u don't answere thier harassing calls, they tow the vehicle at XXXX leaving u stranded and loose work witch equals loosing money. 
Which ultimately will be another late payment and another re -po # XXXX XXXX XXXX? 
As it stands right now I'm out of work on short term XXXX, recieving Food assistance to eat, going on 4 months behind on rent, no paycheck and Covid is still taking lives here in the US and I've still been recieving these calls from the debt on my " Used '' vehicle not " New '' with almost XXXX miles and # XXXX " Re - Po '' tow XXXX happened XX/XX/XXXX. So they win and I loose, Will not be able to afford to get my used car back this time.

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 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-01-13 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: MD

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
I recently got this loan with the first payment due at the end of XX/XX/2021. I made the payment timely. I then made an extra payment in early XXXX and enrolled in auto draft for all my subsequent payments due. I received a call on XX/XX/XXXX that my payment for XXXX was late. I told the representative that I was enrolled in auto pay and she said it takes over a month to start working automatically. How so when this is a major bank?? I said I would immediately make the payment online and some extra to get ahead. The online payment option did not work at all. It would not accept my payment and randomly deleted my bank account information only to have it reappear when continually trying to process a payment. I noted that the system was saying I owed double what was due with the XXXX due date ( over {$1400.00} ). I decided to just try and pay that anyway but couldn't even get that to process. I'm literally trying to pay more than is legally due on my contract. 24 hour customer service that is advertised on the website sends my call to a message that says the office is closed tonight. I want to pay my loan and they are making it impossible. I clicked on my account number to get the full number for this report and the website won't even load it now. This has been happening since the 10th and hold times for customer service during the day are over half an hour which I can't wait on because of my job. I'm tech savvy and have tried multiple devices and web browsers with the same result. They are intentionally setting me up for added fees and default. I work in finance and know this is not okay. Please help me pay my bill and make US Bank take the correct amount of money due. I have perfect credit and it better not be affected by this incompetent behavior by a major bank. I couldn't even email the bank in the contact section as it would not submit or enter the drop down selections. See attached images.

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 2022-01-13 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: PA

Complaint narrative:
I contacted Experian by Certified Mail on XX/XX/21 regarding an account, XXXXXXXX XXXX XXXX Account Number : XXXX that I disputed due to Identity Fraud. Experian DELETED the fraudulent account on XX/XX/21 but reinserted the account on XXXXwithout notifying me first in writing. According to 15 U.S. Code 1681i ( B ) - Requirements Relating to Reinsertion of Previously Deleted Material- if any information is deleted from a consumer file, the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also, if any information that has been deleted from a consumers file is reinserted, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion. This law states that the furnisher must also provide the consumer with the business name, address, and telephone numbers of the furnisher that contacted the consumer reporting agency, in connection with the reinsertion. Experian has failed to notify me of the reinsertion within 5 days, they have failed to certify that the information is complete and accurate including sending me the requested documents/proof they used in their investigation to validate the disputed account, and they have failed to provide me with the furnishers name, address, and telephone number. As a consumer I have the legal right to know why this account was reinserted on my credit file, I have the right to be provided with the documents/proof Experian claims to have that verifies/validates that I am responsible for this debt.

Experian is in violation of the FCRA. My rights as a consumer have been violated, and Experian should be held accountable for their negligence and willful disregard for Federal Law.

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 2022-01-13 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am a victim of identity theft. I received an updated copy of my credit report and found three inquiries from Capital One that I did not authorize and have no knowledge of. The inquires are on XX/XX/21, XX/XX/21, XX/XX/21. The inquiries are having a negative effect on my credit score and they were not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I contacted the bureaus showing the letter that where the account was paid in full and it is still reporting charge off on my report.

Company response to consumer: Closed with explanation