vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: NV

Complaint narrative:
I have unverified accounts on my credit report that I have asked to see signed consumer contracts with my name that the credit bureaus did not investigate properly and are showing up as collections and one charge off that is affecting my ability to obtain credit. I have unauthorized credit inquiries on my credit report that I did not authorize. I have submitted letters to all 3 credit bureaus including the company 's and dates that the inquiries where submitted. I only gave my authorization for one bank to run my credit I now have 18 inquiries on my credit report mainly from auto finance companies. NEVER AUTHORIZED ANY DEALERSHIP TO RUN MY CREDIT THAT MANY TIMES. This is devastating to my credit report. The credit bureaus have not properly investigated my letters I asked for paperwork with my signature and they did not provide it to my according the the law usc 15 609 ( A ) XXXX Collections : 1.XXXX XXXX/ account # XXXX 2. XXXX XXXX XXXX/ account # XXXX Closed Account : XXXX XXXX XXXX Account XXXX XXXX Non authorized inquiries : XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX Closed Account : XXXX XXXX XXXX XXXX Account XXXX XXXX Collection : XXXX XXXX XXXX XXXX/Account # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Transunion Closed account XXXX XXXX XXXXXXXX XXXX / Account # XXXX Collections : XXXX XXXX/ Account XXXX XXXX XXXX XXXX Account # XXXX Inquiries : XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021

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 2021-07-01 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have unverified accounts on my credit report that I have asked to see signed consumer contracts with my name that the credit bureaus did not investigate properly and are showing up as collections and one charge off that is affecting my ability to obtain credit. I have unauthorized credit inquiries on my credit report that I did not authorize. I have submitted letters to all 3 credit bureaus including the company 's and dates that the inquiries where submitted. I only gave my authorization for one bank to run my credit I now have 18 inquiries on my credit report mainly from auto finance companies. NEVER AUTHORIZED ANY DEALERSHIP TO RUN MY CREDIT THAT MANY TIMES. This is devastating to my credit report. The credit bureaus have not properly investigated my letters I asked for paperwork with my signature and they did not provide it to my according the the law usc 15 609 ( A ) Equifax Collections : 1XXXX XXXX/ account # XXXX XXXX. XXXX XXXX XXXX/ account # XXXX Closed Account : XXXX XXXX XXXX Account XXXX XXXX Non authorized inquiries : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX Closed Account : XXXX XXXX XXXX XXXX Account XXXX XXXX Collection : XXXX XXXX XXXX N/Account # XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX Closed account XXXX XXXX XXXXXXXX XXXX / Account # XXXX Collections : XXXX XXXX/ Account XXXX XXXX XXXX XXXX Account # XXXX Inquiries : XXXX XXXX XX/XX/2021 XXXX XX/XX/20XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I recently submitted a compliant concerning Santander Consumer USA and their predatory transaction processing. The previous complaint has not been resolved and I would like to submit this complaint again. Santander is staying and reporting on our credit report that our account is behind and it is not. I am attaching supporting documentation that shows that on our XXXX Statement, Santander processed 2 payments. One on XX/XX/XXXX and one on XX/XX/XXXX. The XXXX first payment was not authorized. I contacted Santander to request that this payment be returned because I did not authorize it and when they would not authorize it, I contacted my bank and my bank reversed this transaction on XX/XX/XXXX. Santander is stating that this reversal is actually a return of our XX/XX/XXXX payment and this is not true. Our XX/XX/XXXX payment cleared our account and the payment was more than required because we paid extra due to having extra funds because of our stimulus payment. As you can see in the two months prior statements our account is current there is nothing owing on our account but Santander refuses to correct their error. Since our bank has already reversed the XXXX payment that was process in error we do not need the payment returned. We would like account corrected to the amount after our XX/XX/XXXX payment. We have also made a payment on XX/XX/XXXX for XXXX. And our account is still showing past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been requesting, sinceXX/XX/2021, verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law. I have been requesting, sinceXX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I successfully disputed an address off of my credit report with Equifax about a month or two ago. I got a letter in the mail saying that the address was deleted but for some reason Equifax, acting as a consumer reporting agency, has given me the impression that 15 USC 1681 does not apply to them in any way, shape, or form. They have amazingly decided to break federal, especially the Fair Credit Reporting Act, and state laws because they think as a consumer, I am not smart enough to know they are functioning under their own set of rules when it comes to my credit file and my credit report, which I also detailed in another CFPB complaint, with the complaint number XXXX ; where in complaint number XXXX, they willingly and negligently decided to update and change inaccurate and incomplete information in my credit file and on my credit report whenever and however they pleased instead of deleting and removing information after having knowledge the information was inaccurate and incomplete. 

Equifax deleted an address off my credit report and took it upon themselves to reinsert that address back on as they have been doing for awhile now. I am sure they have done this many times to other consumers because they do not care about 15 USC 1681 or any other federal or state laws. Just as I have done with complaint XXXX, I am providing evidence such as the time and date stamped letter stating the deletion, a credit report before my dispute, a credit report showing the address information deleted, and a credit report after the information was willingly and negligently reinserted back on my credit report and in my credit file. I am lucky that I know exactly how they are violating the law and I have pulled my credit report almost every week over the past year in order to catch their violations. 

I will be forced to seek legal action in federal and/or state court for these negligent and willful violations of the law, if this address information and the information from complaint XXXX is not deleted and removed from my credit report and credit file as soon as possible and another new credit report reflecting those changes is not sent to me very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 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: PRESTIGE FINANCIAL SERVICES INC
State: NC

Complaint narrative:
I tried reaching out to the companies but they say they cant or wont fix anything without hearing back from the other party who I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
FMS FINANCIAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX MD XXXX The above company has been fraudulently harassing and intimidating me and claiming to be a government agency. 

This company collected an illegal amount from my XXXX account which was originally reported here to this agency. 

FMS FINANCIAL SOLUTIONS has placed several bogus claim and report on my credit file. 

Every attempt to contact FMS FINANCIAL SOLUTIONS has failed as they operate illegally or refuse to answer my calls. 

FMS FINANCIAL SOLUTIONS is collecting an amount that is illegal or as a result of covid-19 pandemic that caused me not to appear in court. 

CURRENTLY I have no idea of the amount or circumstances leading to the collection attempt

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 2021-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently submitted a compliant concerning XXXX XXXX XXXX and their predatory transaction processing. The previous complaint has not been resolved and I would like to submit this complaint again. XXXX is staying and reporting on our credit report that our account is behind and it is not. I am attaching supporting documentation that shows that on our XXXX Statement, XXXX processed 2 payments. One on XX/XX/XXXX and one on XX/XX/XXXX. The XXXX first payment was not authorized. I contacted XXXX to request that this payment be returned because I did not authorize it and when they would not authorize it, I contacted my bank and my bank reversed this transaction on XX/XX/XXXX. XXXX is stating that this reversal is actually a return of our XX/XX/XXXX payment and this is not true. Our XX/XX/XXXX payment cleared our account and the payment was more than required because we paid extra due to having extra funds because of our stimulus payment. As you can see in the two months prior statements our account is current there is nothing owing on our account but XXXX refuses to correct their error. Since our bank has already reversed the XXXX payment that was process in error we do not need the payment returned. We would like account corrected to the amount after our XX/XX/XXXX payment. We have also made a payment on XX/XX/XXXX for XXXX. And our account is still showing past due.

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 2021-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Back on XX/XX/21 I informed consumer credit reporting agency about the fact that my right to privacy as a consumer was being violated and that they were in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my consumer report. Since then I have filed multiple disputes via certified mail receipt : XXXX XXXX XXXX and have not received a response or correction to my consumer report. They are also in violation of of 15 U.S. Code 1681n ( a ) for willful noncompliance because I have been contacting them for over 120 days about the inaccuracies and informing them about the fact that I was a victim of identity theft and was impacted by the XXXX breach. I am being XXXX and XXXX by the reporting agencies who are disregarding and ignoring my disputes. I have provided them all documentation requested and they have not even had the decency to assist me. I demand all the inaccuracies be removed immediately or I will file for litigation due to the stress and damage you have cost me.

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 2021-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Back on XX/XX/21 I informed consumer credit reporting agency about the fact that my right to privacy as a consumer was being violated and that they were in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my consumer report. Since then I have filed multiple disputes via certified mail receipt : XXXX XXXX XXXX and have not received a response or correction to my consumer report. They are also in violation of of 15 U.S. Code 1681n ( a ) for willful noncompliance because I have been contacting them for over 120 days about the inaccuracies and informing them about the fact that I was a victim of identity theft and was impacted by the Equifax breach. I am being sabotaged and abused by the reporting agencies who are disregarding and ignoring my disputes. I have provided them all documentation requested and they have not even had the decency to assist me. I demand all the inaccuracies be removed immediately or I will file for litigation due to the stress and damage you have cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: AL

Complaint narrative:
Allied Interstate LLC robocalls my number 3 to 5 times per day for the last 6 weeks about 5 year old credit card debt in which they do not own. 

Allied Interstate 's number ( XXXX ) shows up as SPAM on my caller ID and has called nearly 100 times just this month so far! 

I has asked for notification via mail, but have never received one. The FDCPA requires one be sent out within 30 days of contact.

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 2021-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: OH

Complaint narrative:
i received a loan for XXXX they told me they would take out XXXX ever 2 week til i payed the loan off which after fee would be XXXX i made all payments and now they say i owe XXXX in interest fees i never even signed a agreement i looked it up and they dont have anything for my agreement to pay that much interest i was told it was XXXX what i would owe what can i do to get this taking care of my name is XXXX XXXX ph number 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 explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I used XXXX to transfer {$1100.00} in CAPITALONE Internet Banking. At that time, I found that there was no way to receive the account in real time, because my transaction needs to be received in real time, so I cancelled it at that time, and the website showed that the cancellation was successful! And Capitalone Bank transferred my money out for {$1100.00} on XX/XX/XXXX, it was not my operation. When I found out, I called Capitalone Bank. The person who answered the phone helped me inquire and told me the result : said it was capitalone. The error of the banking system, the error of the bank, said that it would pay me the {$1100.00}, and also said that the {$1100.00} would be credited to my account within 10-45 days. It has been 3 months since I havent seen any money, but the result is the second time., The third time I called Capitalone, the bank relied on the account and did not pay the money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
This account has be disputed with all 3 credit bureaus and the dispute is coming back verified. I have contacted the collection agency via certified mail requesting validation of debt and my physical signature. The company has failed to provide any of the information requested. Tbe leter was sent out XX/XX/ 2021 and as of today, XX/XX/XXXX, I have not heard anything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: GA

Complaint narrative:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
In XX/XX/2017, we moved into XXXX XXXX XXXX, soon after we moved in we had AC leak that left our hallway and rooms saturated with water. We notified the apartment complex several times in writing letting them know that we needed someone to come out and fix this problem. We let them know several times that no one came out to fix this problem and that we started to notice a smell. The complex sent out a maintenance man to PAINT over the growing mold in the walls and floorboards and placed a blower in our hallway. XXXXXXXX XXXX failed to properly remediate black mold in our carpets and walls, causing our family to get sick. One of our children got so sick the XXXX XXXX XXXX  had to put him to sleep and perform a XXXXXXXX XXXX  on him at XXXX years old. We had to move due to unlivable living conditions. We had to hire an attorney to help us through this horrible time. Now 3 years later XXXXXXXX XXXX  placed a collection for {$1800.00} towards the last month 's rent for a place that was deemed unsafe to live in. This collection should not be on our credit and now in turn is negatively impacting our credit and preventing us from being able to find a place to live. I have called and left messages to this company on 3 separate occasions in the past 2 weeks and have had no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
ENOUGH is ENOUGH. This collection is not collectible as it is IMPOSSIBLE for a COLLECTION/CHARGEOFF ACCOUNT TO HAVE AN EXISTING PAST DUE. This action will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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