vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: FL

Complaint narrative:
Under 15 U.S. Code 1681d2 ( 2 ) Exclusions - any reporting containing information soley as to transactions or experiences between the consumer and the person making the report. ( 3 ) the term " consumer report '' does not include ( A ) subsection with information being transformed between reporting agencies and consumers. This is in violation of my rights. Experian, XXXX XXXX XXXX reported that they have verified all accounts but that is not true as for as charge offs and late payments from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How can you verify when you have several accounts that are paid/closed and still being reported as negative? Also, you have accounts listed as being late without providing proof of investigation procedures used to report these derogatory items on my consumer reports. 

15 U.S. Code 6802 ( a ) I did not receive any written or oral consent option to give any non-public information such as transactions to third parties such as the consumer reporting agencies.

Per standards of FCRA and Metro2 Compliance anything reporting must be 100 % completely accurate, and verifiable which they are not. I demand a Cease and Desist to remove all negative items, such as XXXX Offs and late payments as paid as agreed immediately. 

With the latest news of the misrepresentation of information being incorrectly reported by both Experian and XXXX with their law suits. I do not trust that my consumer reports are being handled the right way and I would like for them to be corrected.

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 2022-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2021 Capital One Auto Finance has accessed my credit report on 3 separate occasion from XXXX, 2 separate occasion from XXXX and 2 times from XXXX. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. The bank should have attempted to contact me and not pull my credit 7 times in less than 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I got an account to purchase same as cash. I have tried making payments but I cant online as the account number is not on the statement but I never received a card after ordering on line. When I ask for them the fourth time and ask for a supervisor they hung up on me. As the interest rate XXXX % this is definitely a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
On XX/XX/2022, I completed an application for a personal loan. I submitted my paycheck information through my online bank account. The company posted an EST. Date of XX/XX/2022. On XX/XX/XXXX, I sent an email to their loan processing department to inquire about the status of my loan. They replied saying the application had expired. They stated that I need to resubmit another application. I replied by stating that I didnt think it was fair for them to run a hard inquiry on my credit while they let the application expired. So, I re-submitted another application, but I told them not to run my credit again. After re-submitting another application on XX/XX/2022, I was given another EST. Date of XX/XX/2022. I have checked my email several times, and I have not received any updates. I have all emails that I sent. I received several emails from the company stating that someone will get in touch with me either by phone or email. However, I have not received any form of response. The customer service only allows the consumer to update their emails or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I brought a car from a car dealership where I was approved for a loan which went towards the car and I also put down a downpayment which I wasn't a ware that I didn't have to do so it was time where the car got repossed cause i couldn't afford and to the last point where I had to call them to get the car mind you they sold off the car and I found out there where still adding interests towards the car and I don't even have it anymore which came up to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Gusdorf Law Firm, LLC
State: GA

Complaint narrative:
This Law Firm is very shady in their process serving business. Their vendor committed perjury in order to attempt and garnish my wages. I was never given the opportunity to appear in court as I was never served in my place of residence. The Process server lied and committed perjury in order for Gusdorf Law Firm to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kenneth, Eisen & Associates, LTD.
State: IA

Complaint narrative:
I am a Federally Protected Consumer. I know I have rights and I'm PROTECTED UNDER THE FAIR DEBT COLLECTION PRATICES ACT AND THE FEDERAL TRADE COMMISION. I have the right to not have false credit information reporting on my credit report. I have rejected the offers to contract with XXXX XXXX and I never gave my consent to have nonaffiliated third party collections XXXX XXXX to be in possession of my non public personal information. WE HAVE NO TRILATERAL CONTRACT I HAVE NO LEGAL OBLIGATION TO PAY YOU. This is a notice to cease and desist communication and by reporting false credit information on my credit report is considered communication. I am not requesting validation of these alleged debts. XXXX XXXX by you obtaining MY non public personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. XXXX XXXX ACCTS # XXXX. These false credit information collection accounts were deleted off my credit report before and just came back on my credit report XX/XX/2022 as I was in the middle of extending credit trying to obtain a new credit card and was I denied due to these ALLEDGED collections on my credit report. The FTC calls these practices DEBT PARKING and takes this very, very seriously. Therefore I have strong reason to believe that XXXX XXXX is conspiring to collect on extension through unlawful extortionate means. By putting these alleged medical collection debts on my credit report XXXX XXXX is damaging my credit worthiness, and ruining my name. and stopping me from MY RIGHT to extend credit and operate in commerce.. DELETE THESE ALLEDGED MEDICAL COLLECTION ACCOUNTS OR ILL BE FORCED TO TAKE STEPS TO ENSURE MY FEDERAL RIGHTS ARE BEING PROTECTED AND ENFORCED UNDER THE PROTECTION OF THE FDCPA and FTC. The collection of this extension of credit would be a Violation of False Claims Act. Remove these alleged medical accounts from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES LLC lost in trial, case no : XXXX XXXX XXXX XXXX XXXX  this case was tried on XX/XX/XXXX, they continue to contact and harass me for funds not owed. This is illegal and fraudulent and have not taken it off my credit. 

The case was tried in XXXX at the courthouse of XXXX and the case was dismissed, that the plaintiff is unable to and has not proven a contractual relationship between the plaintiff and defendant. 


Yet the plaintiff, aka PORTFOLIO Recovery is calling to obtain a collection I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: MD

Complaint narrative:
On XX/XX/2022, I completed a CFPB complaint on Equifax, XXXX, XXXX XXXX, XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction. I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. PACER also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Back in XX/XX/2022 I applied for payment assistance through the Texas XXXX XXXX  XXXX also known as TX XXXX. On XX/XX/2022 I was told by TX XXXX that they needed to speak with my lender PHH Mortgage Services to move forward with my application. From XX/XX/2022 until the first week of XX/XX/2022 I had to repeatedly contact PHH and following up with TX XXXX. I was told something different by each person I spoke with. I was initially told they had the application. Then I was told they didn't have it. I was later told they did not have authorization to speak with TX XXXX  despite me saying repeatedly I give you authorization to do so. I would later find out what was missing was a 3rd party authorization one single document and PHH never made it clear what was required. I was also told my application had been denied by PHH MTG because I didn't qualify, which was a lie. Finally I got the ball moving after threatening legal action. And after thinking everything was going to be okay I discovered PHH MTG received a {$5800.00} payment from TX XXXX on my behalf on XX/XX/2022. However PHH MTG is denying receiving the payment even after being provided a document from TX XXXX that shows the check number, what day it cleared, the tracing number and who it was sent to. PLEASE HELP ME GET TO THE BOTTOM OF WHAT Phh Mortgage DID WITH THAT PAYMENT. I am uncertain if PHH understands to take gov't funds via wire and not allocate them to the proper account and even deny receiving them is wire fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I was charged $ XXXX XX/XX/2022 by a hotel for a reservation that was cancelled XX/XX/2022. I reached out to the hotel and they cancelled it, also refunded me, and sent me the proof via email. The bank involved originally gave me a provisional credit, but month later, charge me again for that same amount. Since XX/XX/2022 the bank has credited/charged me XXXX times, although I have disputed it via email/mail/fax and none of them have been reviewed or taken into consideration. Every time I reach out to the bank, I speak with different agents who dont see my documents, who are giving me different instructions, dont see the information from the last agent, agents who giving me different reference numbers, and people who do not care, no empathy. This has caused XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and all I want is for my credit to be issued, and this dispute to be resolved once and for all. {$330.00} XXXX not be a lot to the bank for me living paycheck to paycheck {$330.00} is a lot of money. I received a letter that they will again be debited this money from my account XX/XX/2022, although Ive disputed it XX/XX/2022 and disputes take XXXX ( because no one is looking at my documents they keep closing the dispute ). 

XXXX charge XXXX credit XXXX charge XXXX credit XXXX charge XXXX credit XXXX pending charge

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 monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Contacted my wife who is not on the card. Old navy

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 2022-12-29 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX ALLY FINANCIAL has accessed my credit report from both XXXX and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. Following this incident, I have placed a fraud alert on my credit report. It is clear that someone else is trying to acquire some financial products using my information in a year period.

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 2022-12-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently singed up to XXXX XXXX to review my credit report and notice a fraudulent account on my report being with XXXX. I mailed in my ftc.gov report to the credit bureau to fix this issue on my account and the account is still being shown

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested a credit line increase today XX/XX/2022 and when I received a denial letter Capital One used a a credit report and credit score that is more than 60 days old ( XX/XX/2022 ). This is a discriminatory act. You can not base a financial decision today on in accurate information. Over the course of 60 days ( 2 credit reporting cycles ) many things can occur. Therefore, it seems illogical that a decision today is based on stale-dated data. 

I called Capitalone to request some assistance in reviewing their credit policies, and they stated they can base their decision on old data and that there is no solution to this issue. They can make a credit decision today based on credit data from 6 months ago. I requested to raise a complaint and requested a ticket number for tracking purposes and they said that its all internal and they notate the account. I asked for the compliance or legal department to address my concern and was advised they dont have one, and that all matters could only be resolved by customer service. 

The REP ID : XXXX Date of call XX/XX/2022 Time of call XXXX EST I believe the actions taken by Capital One are discriminatory and are not in compliance with the Equal Credit Opportunity Act ( ECOA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to cancel the service but as soon as I state that, they just hang up. I dont even recall signing up for TransUnion XXXX 
Refunding all the money they took.

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 monetary relief
Consumer complaint received 2022-12-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2022-12-29 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: LEXISNEXIS
State: MD

Complaint narrative:
On XX/XX/2022, I completed a CFPB complaint on XXXX, XXXX, Lexis Nexis, XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction. I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. XXXX  also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.

Company response to consumer: Closed with explanation