vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08 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'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: FL

Complaint narrative:
In XXXX of XXXX I received a debt collection letter from Credit Control. I exercised my right and sent a debt verification request letter to Credit Control located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX. 
Credit Control DID NOT verify the debt despite my emails that I sent them on XX/XX/XXXX & XX/XX/XXXX and a call to verify the debt on XX/XX/XXXX but instead another Collection company named : XXXX XXXX XXXX. located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported the debt on all three of my credit reports without informing me whatsoever about this debt or verifying the debt or providing a reassignment of debt to them. 
This is a breach of the Fair Reporting and Collection Act.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC
State: GA

Complaint narrative:
I closed on a XXXX refinance loan XX/XX/2023. 
However on or about XX/XX/2023 after signing and sending disclosure documents back to XXXX, I began getting an inordinate amount of calls, 7-10 per day for a week and in fact I am still getting them from Mortgage Companies wanting to know my interest in refinancing. 
Since I did not work with any other company than XXXX and my loan was a few days from closing, I wanted to where these Mortgage Companies got my name, phone number and other person al information. I was told that the credit companies XXXX used in processing my loan sent the my personal information to them. 
Sending out my information to companies I did not request should be unlawful. 
According to Credit Score Disclosure from CoreLogic Credco, my information is sent to Credco who intern released it to the Mortgage Companies. It is not a reach to think that someone is paying for the exchange of individual credit information. 
I object to my information being released without my knowing and permission which of course generated a huge number of robo calls from many different Mortgage Companies. It is an invasion of my privacy. 
The other aspect of this is that there was no benefit to me since my information was sent to these mortgage companies very late in the process with XXXX. 
Again my bottom line complaint is that these credit companies should not send out information to Mortgage Companies without approval.

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 2023-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts are very old and should be deleted from my credit. Credit bureau will not allow me to dispute this on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : 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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
This is additional documentation for my appeal to PNC bank disputing charges posted to my checking account on XX/XX/XXXX, in the amount of {$270.00} and {$500.00}. I was in the barber shop in NC, when a string of thank you for your subscription messages with amounts started comping across my cell phone. I am a student at NC XXXX and XXXX My physical whereabouts can be confirmed at all times, to prove I was in NC and then in MD for the winter break. I was warned not to open messages like that, so I phoned my mother, and she instantly called the bank and had them cancel my bank card ( XXXX XXXX XXXX XXXX ). Immediately as this was happening and while the charges were still pending, my mom asked the bank not to pay then, but the bank paid them. I still have copies of some of the messages on my phone, which I am attaching this complaint ( being filed with the XXXX XXXX XXXX XXXX ). When I returned home to MD, my mom and I went to PNC and told them of the events, and I received a new bank card. I was told by the bank representative that PNC should have contacted me to verify my identify and ask if this was me, making these transactions, when the string of highly unusual activity was taking place. Nevertheless, I assumed that after the dispute was filed on XX/XX/XXXX, the event was behind me. 

On XX/XX/XXXX, I received a letter in the mail from PNC, stating that I was responsible for the transactions. The 2 transactions that actually posted and were paid by PNC were for {$270.00} and {$500.00}. Both were online purchases to Target, and picked up at a Target in CA ( while I was still in NC ). I had my bank card with me the entire time this was going on. I did not make any online purchase for these items, nor did I authorize or pick up these items. No one else is authorized to pick up anything on my XXXX account but myself. XXXX requires that if someone else picks up items on your account, they be named on your online account. No one else is listed on my account. Additionally, ID must be presented when picking up items. I did not pick up any items in CA and I have never been to CA. I do not know how PNC is holding me responsible for these transactions when clearly my bank card was hacked. The string of transactions going across my cell phone did not stop until the card was shut down. 

I filed a police report with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX on XXXX XXXXXX/XX/XXXX, after the unfavorable determination was issued. The Police Report # is XXXX. I filed a complaint with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am including this as written documentation to PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 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:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/2023, the financial institution performed an adverse action against me and my consumer credit account by closing account stating with ambiguity we are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement thereby converting the consumer account into a bill of attainder. The communication further states, you are still responsible for paying the full amount of any remaining account balance and youll continue to receive billing statements until the balance reaches XXXX. 
Averment to No. 11. I am not possessed of any issue of law or fact where such statement, action, performance, denial, adverse action, or occurrence does not violate the laws of the United States and the laws of the State of Florida. Samewise, I believe no issue of law or fact exist. 


I have sent multiple correspondence to XXXX XXXX of Capital One, XXXX XXXX of Capital One and Capital One 's registered agent for proper service yet have received no response or remedy to date. 

I have had multiple adverse actions taken against me by Capital One ever since I exercised my consumer rights. 

This is a continued breach of contract and a breach of fiduciary duty pursuant to the Uniform Commercial Code. 

See attached documents for further information/instructions. 

Thank you, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a debt that is reported on my credit report twice on Experian and XXXX. I have filed numerous disputes without any results. The debt is for XXXX XXXX XXXX. The reporting date is also incorrect it should be XXXX not 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 2023-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I paid off the balance of {$350.00} on my XXXX credit card two days before the due date. On XX/XX/XXXX they charged me {$6.00} interest on purchases when my balance was XXXX. Then on XX/XX/XXXX they charged me a late fee of {$6.00}. On XX/XX/XXXX they charged me a minimum interest charge of {$2.00}. I called and asked why the charges on a zero balance account and they said they would refund the charges. however, they only refunded the two latest charges totaling {$8.00}. They did not refund the first charge of {$6.00}. On XX/XX/XXXX they charged me a late fee of {$14.00}. On XX/XX/XXXX another minimum interest charge of {$2.00}. Then on XX/XX/XXXX my repeat order was charged to my account in the amounts of {$25.00} and {$5.00}. On XX/XX/XXXX a late fee of {$22.00} was charged to my account and a minimum interest fee of {$2.00} was charged on XX/XX/XXXX. On XX/XX/XXXX I sent a secure message to them asking to have the charges removed. They refused. On XX/XX/XXXX I again sent a secure message to them asking that all the charges be removed. They refused again. On XX/XX/XXXX a late fee {$35.00} was charged because I did not make my payment on time due to a death in the family. Interest of {$2.00} was charged on XX/XX/XXXX. I made a payment of {$31.00} on XX/XX/XXXX which was the amount of my purchases. On XX/XX/XXXX a late fee of {$40.00} was charged to my account as well as an interest fee of {$2.00} on XX/XX/XXXX. On XX/XX/XXXX a late fee of {$35.00} was charged as well as {$3.00} interest on XX/XX/XXXX. 
On XX/XX/XXXX, I called Comenity Bank and spoke with a representative who told me he would refund all the late fees but the {$40.00} and that I would also have to pay all the interest charges totaling another {$15.00}. I was asking him why when the call was disconnected on his end. I made a payment online for the {$40.00} late fee and the one interest charge for {$2.00}. I should have only paid the {$35.00} late fee instead. Then I called back and spoke with a different representative who put me on hold twice and then told me after talking to a supervisor she would refund the two late fees totaling {$75.00} and that I would have to pay {$90.00} remaining balance. Again I told her I did not owe that because they made the error back in XXXX and refused to fix it. I asked that all the late fees and interest charges except the one I paid be removed from my account and that all the derogatory information they sent to the credit bureaus be removed also or I would file a complaint with the government. She refused and maintained I owed her {$90.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Merchants Automotive Group LLC
State: GA

Complaint narrative:
My company was late on payments from XXXX until XXXX on lease payments, we did pay what we owed in XXXX, now looking through the invoices the leasing company charged us over {$960.00} in late fees, even after we paid the last invoices they still charging us over {$300.00} in late fees, they are not want to remove and Im taking to account agents that really dont care how we are treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: MT

Complaint narrative:
I have been trying to resolve this issue with them for several years now and the companies actions with closure of the account didn't correlate to what was discussed on countless occasions. Nor does it correlate or match with the amount of the transactions that was in question or anything promised. I called the company initially when I saw the account closed to figure out what happened to the funds that were frozen in the account. They said they sent a letter explaining their decision and I would receive in the mail within a few business days. Initially my identity was stolen and my account was hacked into and had several unauthorized transactions occur which resulted in roughly {$5000.00} to be withheld in the account. The company had stated that the funds which were left in the account would be reinstated to the rightful owner who they came to a decision and the amount of loss I suffered through this account being compromised was just over the value of {$7500.00}. The transaction that was being questioned essentially was amounting to {$5000.00} so they said it would either be returned to the sender or it would be issued to me in a check. However when the account was closed the provided no information on their decision and issued me a check for the amount of {$2400.00} which makes absolutely no sense that's not even half of the value that was owed and there was no explanation for the decision as they had promised I would receive in that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account : XXXX XXXX. Account : XXXX. 

Account : XXXX. Account : XXXX Account : XXXX. Account : XXXX Account : XXXX. Account : XXXX Account : XXXXXXXX XXXX Center. Account : XXXX Account : XXXX XXXX XXXX. Account : XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 A 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 conditions of crime 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 2023-03-08 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
My Nissan lease for a vehicle, account was paid in full and closed XX/XX/2023. It is still showing up on all three credit bureaus as being a delinquent open account. I am not able to lease another vehicle with any dealership because they are taking a look at my credit history and denying me off of this Nissan account. I have all information showing that the account was paid off and it's supposed to be closed.I have contacted Nissan for 3 months straight and I've made numerous disputes with all three credit bureaus and nothing has been done. Nissan is acknowledging that the account is closed but nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: LEXISNEXIS
State: CA

Complaint narrative:
I have communicated them and sent couple of request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 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: LA

Complaint narrative:
Notice Before Arbitration I have the following ISSUES : I have disputed ( online ) each of the following accounts, stating they DO NOT belong to me. There was no action taken to rectify these inaccuracies being reported on my credit. On XX/XX/XXXX, I then sent in formal letters to Equifax stating not only did the following accounts not belong to me, I provided a copy of my identification as well as a bank statement, AND I requested that each of the accounts being reported on my credit to be verified. I requested transactional history, agreement and original contract, and ledger for each of these accounts listed below. Still to no avail ; these accounts have yet to be removed from my credit report. I have endured significant financial setback, and severe emotional distress due to inaccurate accounts consistently being reported to my credit. According to 15 U.S. Code Section 1681, MY RIGHTS HAVE BEEN REPEATEDLY VIOLATED and my attempts to rectify this matter have been ignored. Even after I have provided substantial evidence showing my identity and address. 

INNACURATE ACCOUNTS BEING REPORTED : XXXX XXXX  ACCOUNT : XXXX BALANCE : {$620.00} DATE : XX/XX/XXXX XXXX XXXX ACCOUNT : XXXX BALANCE : {$2000.00} DATE : XX/XX/XXXX XXXX  ACCOUNT : XXXX BALANCE : {$240.00} DATE : XX/XX/XXXX -IXXXX XXXX XXXX BALANCE : {$0.00} DATE : XX/XX/XXXX XXXX XXXX BALANCE : {$0.00} XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Order to Resolve This Issue Amicably, I AM Requesting PAYMENT and Deletion for each of the above referenced accounts 15 days from the submission of TODAYS DATE : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation