vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my consumer report by XXXX, Equifax, and XXXX. I have previously submitted a complaint to the Federal Trade Commission ( FTC ) about this matter, but I am now seeking further assistance from the CFPB. 

On XX/XX/year>, I sent a letter to XXXX requesting an investigation into several accounts listed on my credit report that I believe are inaccurate and harmful. Despite this request, I have received no response as of today, and the inaccurate information remains on my report. Since sending this letter, I have not received any response or resolution from XXXX, Equifax, or XXXX, and my consumer report continues to bear inaccurate and harmful information. This lack of response and correction violates my rights under the Fair Credit Reporting Act. 

I request the CFPB 's assistance in addressing this issue and ensuring that the inaccurate information is removed from my consumer report promptly. Your prompt attention to this matter would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX I was browsing online and decided to apply for an XXXX XXXX XXXX XXXX XXXX, which is run by XXXX XXXX. 

When I went to fill out the application, someone had already filled out the application but with a different address. 

I know who is responsible for this. He had already done this twice before, and as a former in-law, he had access to my SSN, phone number and middle name!

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed my address and personal information on all 3 credit reporting agencies. They have all failed to correct the address. My address is XXXX XXXX XXXX XXXX, FL XXXX. The has always been my address. No other addresses should be reporting on my credit report. It has also been the only address on my drivers license. Any other address that is on my credit is a result of fraud. I have attempted to remove it with no success on XXXX, Equifax, and XXXX. I have also filed a report on identity theft.gov. and submitted it to those reporting agencies but they failed to remove them. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed my address and personal information on all XXXX credit reporting agencies. They have all failed to correct the address. My address is XXXX XXXX XXXX XXXX XXXX XXXX. The has always been my address. No other addresses should be reporting on my credit report. It has also been the only address on my drivers license. Any other address that is on my credit is a result of fraud. I have attempted to remove it with no success on Experian, XXXX, and XXXX. I have also filed a report on identity theft.gov. and submitted it to those reporting agencies but they failed to remove them. this is a Violation of 15 U.S.C. 1681i ( XXXX ) removal of all inaccurate/invalid credit. Please remove immediately.

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 2024-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX of XXXX, I went to car dealership XXXX XXXX XXXX in XXXX to XXXX a car I wanted. 
When they check my consumer report, I was told that I was approve by Capital One Bank at a XXXX XXXX XXXX. The tag price was {$19000.00} and miles on the car were about XXXX. 
I was asked for a down payment of {$8500.00}. 

I'm currently happy with the car and the way its performance. 

The reason why I'm filling this complaint is because I came aware of the XXXX law that regulate the XXXX interest rate that a bank institution can charge on a car loan. Base on the usury law the XXXX a bank can charge in XXXX XXXX and/or in XXXX XXXX XXXX XXXX XXXX. I'm paying XXXX XXXX XXXX 
I contacted the bank and they response was that they are in compliance with the law and that they do not need to do any changes to this loan. 

I contacted an attorney and he explained to me that I do not have a car loan that instead what I have is a retail installment sale contract and for that reason he can not help me. 
Now asked to myself, So what is a retail installment contract? 

What is a Retail Installment Sale Contract? A retail installment sales contract is a type of financing agreement. It is made directly between you and the auto dealer. The dealer will typically sell the contract to another lender unless the dealer is a buy-here/pay-here dealer. 

*But in reality, it is a car loan that an individual is granted by a lender or a bank institution, but they be very careful not to call it that because if it were a car loan it would be regulated. So, they use a magic substitute word called retail installment sale contract. Which by virtue of federal law is deregulated. 

I believe that the car dealership XXXX XXXX XXXX and Capital One Bank are both working together on this to evade the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear TransUnion : I am writing to dispute several unauthorized inquiries that appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. 
The following inquiries were made without my knowledge or consent : 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  I did not authorize these companies to access my credit report, nor did I initiate any transactions that would warrant a credit inquiry from them. These unauthorized inquiries could negatively impact my credit score and must be removed immediately. 
According to the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed items within XXXX days of receiving this letter. If the disputed information is found to be inaccurate, incomplete, or can not be verified, you must promptly delete or modify the item ( XXXX ) as appropriate. 
Please provide me with the results of your investigation and a copy of the updated credit report within the XXXX timeframe mandated by the FCRA. If you fail to comply with the FCRA 's requirements, I reserve the right to pursue further legal action. 
Thank you for your prompt attention to this matter.

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 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I contacted Capital One bank supervisor about a payment I made to the credit card ending in XXXX on XX/XX/year> for {$290.00}. The payment was processed out of my bank account and the funds were received by Capital one, however my credit balance has remained at {$0.00} for the past XXXX days. While on the phone with XXXX employee number XXXX position XXXX and disputes account XXXX informed me that Capital One will process my funds by XX/XX/year> which is XXXX days later. I instructed XXXX to either approve my funds manually so that I can use my credit card or provide me a full refund of my funds. The employee told me that I wont be receiving any resolution because their vague, unclear and inconspicuous agreement allows them to basically do whatever they want on my account and with my funds. I informed XXXX that this situation has been ongoing with this bank and I have suffered severe XXXX XXXX XXXX XXXX  anguish due to the abusive, deceptive and unfair practices. She ignored my questions, concerns, failed to solve the issue and continued to falsely misrepresent information regarding this matter. 

XXXX is not even a XXXX resident or works in the XXXX she is a foreigner trying to advise an American consumer on Policies and laws that apply to the United States. XXXX is located in the XXXX and has no background in banking law or consumer credit protection laws yet she is attempting to instruct me on how things work and what I can and can't do with my account or funds. I find this highly disrespectful, rude and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I also received calls outside of work hours from cell phone numbers violating my rights and threatening to garnish my work checks from employees. According to law 605 B in the FCRA I didnt give any consent for anything to be reported to my credit report and by law it shouldnt be on my credit report without my consent. My debt cant be sold to any other creditor either its against the law for my personal information to be sold. I feel I was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.

Complaint narrative:
My XXXX card was used without my consent multiple times to withdraw the maximum amount allowed per day. 

The most recent time XX/XX/XXXX XXXX transactions from my checking account of {$180.00} total of {$1400.00}. 
XX/XX/XXXX XXXX transactions from my checking account of {$180.00} total of {$1400.00} XX/XX/XXXX XXXX transactions from checking account of {$180.00} total of {$1200.00} XX/XX/XXXX XXXX transaction from checking account of {$110.00} I reported all these transactions on XX/XX/XXXX to fraud department. They opened a case then closed it not in my favor. The reason was given even though i requested it. I asked them to reopen the case but had same outcome. All these transaction were made in a city I have never been. I never recieved any fraud alerts. 

XX/XX/XXXX XXXX transaction from checking account {$180.00} XX/XX/XXXX XXXX transactions from savings account {$180.00} total of {$1100.00} XX/XX/XXXX XXXX transactions from savings account {$190.00} total of {$1300.00} Reported these on XX/XX/XXXX to fraud and a case was opened and denied. They told me it was denied because they didnt have enough information. I asked to reopen the case and asked what information was needed and they said they had all the information needed. 

XX/XX/XXXX XXXX transactions from checking account {$1800.00} total {$1100.00} Reported on XX/XX/XXXX to fraud and they opened a case and closed it not in my favor with no explanation given. 

XX/XX/XXXX XXXX transactions from savings account {$180.00} total of {$910.00} XX/XX/XXXX XXXX tranactions from savings account {$180.00} total of {$360.00} Reported on XX/XX/XXXX. I contacted the bank and the XXXX department opened a case. They closed not finding in my favor stating the same atm pattern was used for these transactions that I normally use. All these transactions were done in XXXX different cities and taken from my savings account. I have never withdrew money from savings account through the XXXX 

I have been dealing with situation for a year. I am XXXX XXXX XXXX and the XXXX is affecting my health. The bank has issued me new XXXX cards but that never stopped the theft. I always had possession of my XXXX card and never given out the pin. I have lived in the XXXX for the past XXXX  years. I was told by the bank that I had to come to back to the United States to close the account in person and open a new one. I am here now trying to resolve this issue. I was told they credited my account for the last fraudulent charges but they put it in the account that I closed therefore I have no access to the money.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of successful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. According to the 15 U.S.C 1681 XXXX there should be no damages on my report, considered that as a defamation to my character. As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have XXXX days to do this according to XXXX, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further 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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2024-06-02 00:00:00
Product: Credit reporting 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. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
-Dispute of Credit Report Entry Under FCRA, Section 611 [ 15 U.S.C. 1681i ] Attention XXXX, XXXX & XXXX, I am writing to dispute the following information in my file. The items I am disputing are incorrect and should be deleted in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15U.S.C. & 1681i ]. 
The items in question are : Original Creditor : XXXX XXXXXXXX XXXX Account Ending : XXXX Collection Agency : Resurgent Capital Services, ID : XXXX Amount : {$780.00} This account should be removed from my credit report because the balance was paid in full to Resurgent Capital Services. As per our agreement, this account was to be immediately deleted from my credit profile upon payment. The payment was made in full. 
Under the FCRA, Section 611 ( 15 U.S.C. 1681i ), I am requesting that you investigate this matter and remove the erroneous information from my credit report. Please conduct a thorough review of this dispute, and if necessary, verify the validity of the agreement with Resurgent Capital Services. 
Please notify me of the results of your investigation as soon as possible. I would appreciate your prompt attention to this matter and look forward to the removal of these inaccurate entries. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Address does not belong to me. I have no access or knowledge of those address.

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 2024-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I noticed Radius Global Solutions is attempting to collect an alleged debt. I hereby dispute the validity of the alleged debt. I also request verification of the alleged debt, specifically a copy of the original purchase agreement. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt.

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 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
So I already have another current complaint about revvi card but this complaint is first access card who uses the same system that they do I call in to make my payment XX/XX/2024 and it doesn't accept my card I do this several times I wait and try several more times the next day on the XXXX when my payment due so I end up having to call them same card they have on file there they want to charge me another {$10.00} just to take the payment I finally get them to waive the {$10.00} and they say it's a first time courtesy XXXX XXXX but then they say I'll have a late fee because it's after XXXX I've been trying to pay my bill for XXXX days straight and your system isn't working or accepting my payment but yet somehow they have the same card on file automatically charge the payment but the phone system won't take the payment that they say is free getting close to taking legal action this has happened before I asked them to fix it they tell me they can't then I asked well who can they don't know so who am I paying and why am I paying you extra then what I agreed to pay you the predatory XXXX XXXX interest is already bad you're already making a killing off of me and then you want late fees and {$10.00} phone payments that's XXXX I've always been on time with my payments I've always made my payments so what's the problem I have the suspicion that this company possibly revvi card as well as first access card too are purposely corrupting the phones so he doesn't take your payment so they can either charge you the {$10.00} or charge you a late fee it should not be my fault that your system isn't working and this is how I agreed to pay you the company should be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting 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 have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, XXXX seems to be presenting obstacles, claiming I haven't completed all the necessary steps. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically XXXX, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief