vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: MD

Complaint narrative:
XXXX XXXX used to be my dealer in Florida. He ran multiple inquiry before getting me into XXXX XXXX  as my auto loan bank. Paid down payment for XXXX XXXX and car was received including documentation. Months later I decided to trade in XXXX for XXXX XXXX which was done successful. Months later XXXX XXXX had to report to XXXX that my trade in vehicle was repoed. Which is false. Ive tried so many times to reach the bank ( XXXX ) but they keep asking me to contact XXXX XXXX whom the manager s name is XXXX. 
15 U.S. Code 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.

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 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
SOUTHWEST CREDIT SYSTEM keep reporting invalid item to my credit report. I have disputed multiple time and they keep verifying account. No bill was sent or debt validation to validate debt. This account is not owned by me, neither did the collection agency send a debt validation for this item which is violation. No letters was sent to my home address but instead they sent me to collection. I request debt validation which includes signature, date debt was bought/assigned from original lender, debt owned/collection fees accrued to account, and invoices of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: NC

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-09-19 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: NC

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: MI

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: MI

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 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 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
Hello just to let you know all this is a misunderstanding all this is not my debt I have a car XXXX under my name and I sold it ( I summited all paperwork on XXXX XXXX and I signed my bill of sale ( I done everything on my end ) but seems like for some reason this car was under my name still? 
I called many time but they keep asking me for the owners paperwork but since I sold the car already I did not have it also the car was sold by the XXXX and did " not received anything? 
and now I owe XXXX? 
this is not fair and I don't have the money to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX issued a teller check # XXXX for the amount of {$4400.00}. Because it was from my home equity account, the money was taken out immediately when printing. They sent that amount based on an old statement I had from Barclays Credit card. They expressed mail USPS with the tracking number of XXXX XXXX XXXX XXXX XXXX to the address on my statement which is : Barclays, XXXX XXXX XXXX XXXX XXXX, PA XXXX. According to the USPS tracking information, it was received on XX/XX/XXXX. I called on XXXX to find out when the check would be applied to my account- They told me 2-3 business days. I called back later and then had to open a case to find this unapplied check which they told me it would take at least ten days to resolve. Meanwhile I am getting charged interest on my credit card due to them losing the check and not applying it in a timely manner.

I would like them to find the check, apply it to my account and remove all interest charge on my account starting XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I have received multiple advertisements over the past month that I was prequalified for a secured loan. I completed the application and was denied because the value of my vehicle. 

I would not have applied if I knew I would be turned down. I'm trying to increase my credit score not decrease it with an inquire that fails to provide any insinuated prequalified loan. 

XXXX XXXX has a XXXX  XXXX dollar law suit for this exact course of business. Where they implied you are prequalified, people applied, their credit scores negatively affected and people did not qualify. 

One Main Financial needs to be aware of false advertising and false prequalification applications. They need to be held responsible for causing peoples ' credit scores to decrease. I spoke with XXXX at One Main Financial in XXXX NC at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
XXXX XXXX is a very unethical company they have purchased debt from Santander consumer claiming that I owe them now XXXX without explanation I have requested information from them the information that was sent was incorrect. They created a ledger and titled it " Santander transaction history '' as if the file sent was from Santander when in fact it was not. The information on the ledger was incorrect and was not in correspondence with the original explanation of calculation of surplus of deficiency. XXXX claims I owe XXXX and Santander said I owed XXXX XXXX management has yet to clarify why they are requesting the number they are and where the credit of XXXX has came from. On the ledger they created they have claimed I did not pay my car note for the month of XXXX in which I did and sent the proof of statement for that month. It is against my consumer rights to try to collect on an incorrect amount. I have tried my absolute best to get this company to right there wrongs they will not. I have sent a letter breaking down WITH PROOF how they amount they was trying to collect on was incorrect they sent a letter stating that the information was not substantial for dispute! I truly believe the CFBP needs to seriously investigate this company as they are violating consumer rights and defaming me. This collection being on my credit is so detrimental to my life I have tried over and over to get them to remove because they can not verify the debt and they will not this is literally ruining my life. I am a struggling single mother and there are rules and regulations in life that I must abide by regardless of that and I believe companies should do that as well. I live my life with integrity and if I am wrong I will make things right. This company has no morality and does not abide by the laws written for them and I believe they should be truly looked into. You should not run a company disguising yourself as help for the consumer when you're screwing them to collect dollars when you bought the debt for pennies. Its disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: MS

Complaint narrative:
Phoned company diirectly; said there was no information that showed I owed anything. Several times had called collection agency who claimed they could not get credit card to work and wanted another credit card. A friend gave me her card to use, and they said they could not get that card to work and wanted another credit card. I believe since both cards had been used the same day at groceries and else where, they appeared to be selling credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Velocity Portfolio Group
State: IL

Complaint narrative:
In accordance with the fair credit reporting act, CKS Prime Investments has violated my rights

. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 15 U.S.C. 1681 604A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instruction.

To further add, this account has been settled and : Once a settlement is reached and payment is made as agreed, the collection agency is responsible for : reporting the debt as paid in full, or reporting the debt as settled for less than original amount and considered paid in full, or deleting the collection from the consumers credit report as part of a pay to delete agreement with the borrower, which this company says they will not do. 

The collection agency is required to report the same information to all three credit bureaus. 

I am requesting this to be removed from ALL credit reporting platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This company illegally combined my information with someone else 's profile. They had the wrong address, email, phone number and social security number on their profile and yet they try and charge me for it. I've been disputing this for a year now and its to the point the where a lawyer should be involved. I haven't had an account with Navy Federal since XXXX and I was told that I can not open another account. Yet, in XXXX an account was opened and is on my credit report. Please address this company and have my their information removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: NY

Complaint narrative:
End of XXXX beginning of XXXX XXXX  was a huge impact on us all. 

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 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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
complainant filed dispute because a phone ordered from the XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX never arrived. Capital one just decided the complaint in favor of Store even though the store 's own XXXX tracking number shows it was never received by me. On XX/XX/XXXX dispute department sent me an email asking me to respond to a letter attached to the email but no letter was attached. Dispute department then denied the dispute when there is no way I received this item. It needs to be re-checked. Moreover, the receipt from the store shows that one part of the order was cancelled and the other part returned. I am attaching tracking number, receipt that shows canceled or returned and the email sent XX/XX/XXXX that has no attachments for me to respond to. It's not clear that Capital One has any evidence from merchant and they had all of this from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: PA

Complaint narrative:
Quite a while ago through XXXX XXXX, I was made aware of an outstanding balance from XXXX XXXX, that is now being held by a company called Receivables Management Systems. I stated to them on more than one occasion, visa XXXX XXXX, that I do not owe this debt of {$230.00}, because this was the result of seeking treatment for a personal injury that had happened to me in XXXX, ( I was hit by a XXXX XXXX ), and as such had informed them that it was being taken care of through my auto insurance, as well as personal health insurance. I further instructed XXXX XXXX, after having been first meet aware of this alleged debt, to contact my personal injury attorney at that time, for which I gave them all the information. This case was settled in XXXX, through another personal injury attorney, but still I was led to believe that the information from this had been passed on to the new attorney. From that point on I heard nothing from XXXX XXXX, until I see my credit report through XXXX XXXX, and notice that I have this in collections through this company. 
At this point I made it very clear to Receivables Management Systems, that based on the fact that this was to be taken care of through my personal injury attorney, that they needed to speak to them and that as such I did not owe this bill. I not only never heard anything from this company, but on multiple occasions when I checked my credit report, I still found this there. I finally contacted them directly online, telling them that I do not owe this on the basis of what I've stated above, and to never contact me in any way, shape, or form. this company refused to abide by my cease-and-desist request, by sending me a letter, dated XX/XX/XXXX, that not only refuses to see what I am trying to say in this matter, but it's still insistent that I owe this debt! 
I want to make it very clear, that on the basis of the fact that this was to be handled by my personal injury attorney, that I do not owe this debt, and I refuse to pay a debt I believe I do not owe! They need to speak with my personal injury attorney of record, and not me. I am insisting, that they not contact me in any way shape or form, because if they do again, I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: MA

Complaint narrative:
Elian Financial Service Refused to send me credit card statements that I requested, I have contacted them for XXXX more n=months, each time I spent 5+ hours, My Elan Fianncial Service credit card associated with XXXX I opened XXXX XX/XX/XXXX and closed on XX/XX/XXXX, I requested Elan Financial Service XXXXo send me teh XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my activity statements, I called Elan Financial Service multiple times , their customer service sometimes can not find the card ending on XXXX, then they asked to change mu card, they said that it was opened in XXXX, and you changed the last 4 digits, there were no activates in XXXX, so they refused to send to me anything. Some find the card, then thye said that It was out in Archive, so the dept does nto aloow Archive statement to send out to credit owner, some found it and made the request, I still received nothing until today, and some asked my fax, offered to fax to me, after gave out the fax number, I still does not receive anything!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 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: PNC Bank N.A.
State: AL

Complaint narrative:
I contacted pnc bank And the three major Bureaus, XXXX XXXX, XXXX, and XXXX because I noticed inaccurate information on my report! I ask them to correct it and they said they did! Upon my own observation of my consumer report I noticed that the inaccurate information still remains! So I ask for an reinvestigation! And they look upon it again they told me that they didnt find anything inaccurate information and they not changing nothing! 

Upon my reinvestigation I still found the inaccurate items to be on my consumer report! 

And have file complaint to FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 non-monetary relief