vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 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: IN

Complaint narrative:
XX/XX/ 2022 i found out that Capital One reported a 30 days late payment for the month of XXXX. I lost XXXX XXXX. They correct my credit history back but did not restore my points. In return I was denied of a HELOC Loan i had been approved for because my credit score is to low now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a complaint against Experian and XXXX for not responding to my dispute letter regarding inaccuracies on my credit report. Despite sending a dispute letter to Experian, I have not received any response or resolution from them. 

I sent a dispute letter to Experian and XXXX XX/XX/2022 requesting an investigation into certain inaccuracies on my credit report. The letter included all the necessary details and documentation to support my dispute. However, I have not received any acknowledgement or response from Experian. 

I have tried to follow up with Experian multiple times, but have not been able to get through to a representative. This lack of response and resolution from Experian is causing me great frustration and concern, as these inaccuracies are affecting my ability to access credit and financial services. 

I am requesting your assistance in resolving this matter and ensuring that Experian and XXXX are held accountable for their lack of response. I would appreciate any support you can provide in helping me resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: TN

Complaint narrative:
I didn't authorize or give any permission to these company pulling my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26 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: CA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Has violated my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
MARLETTE FUNDING accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX # XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX # XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credible Labs Inc.
State: NY

Complaint narrative:
CREDIBLE accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: IN

Complaint narrative:
XX/XX/ 2022 i found out that XXXX XXXX reported a 30 days late payment for the month of XXXX. I lost XXXX XXXX. They correct my credit history back but did not restore my points. In return I was denied of a HELOC Loan i had been approved for because my credit score is to low now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I was a victim of the XXXX and XXXX and OPM breach. I have found several instances on my credit where identity theft has occurred. Im working with my attorney and the FTC, notifying these debt collector companies of the fraudulent accounts they have. 

The credit bureaus have already been informed of this account and the FTC ID Theft report and removed the XXXX account. Radius Global Solutions LLC however has ignored the FTC ID theft report I sent and the credit bureaus confirming its a fraud account and continuing to try and scam me for a fraudulent debt the bought from another debt collector who was ALSO notified over a year ago that the account was due to fraud. 

I have sent Radius Global Solutions LLC a SECOND dispute on XX/XX/23 the first was sent XX/XX/23 of the fraudulent account they purchased. Their response was a one page copy of some bill to state to me that they validated the debt. 

When I clearly asked them for the original contract and to notify the electric company that it was fraud and my written contract etc with the FTC ID Theft report and notification of this debt having been deemed fraudulent BEFORE they purchased it from the previous debt collector. 

To continue to harass an identity theft victim who is trying to get their life back is abhorrent. We already go through enough stress and anxiety dealing with this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
So I lost {$600.00} Last week on XXXX XXXX by some fraud/scammer and the username is XXXX  on XXXX she is stealing money from people and not returning my money back and she charging me extra {$300.00} on top of the whole dollar amount I sent her my bank approved it but they said there not guaranteed on getting my money back and this person needs to be behind bars its not fair to scam innocent people over the internet I got proof of the conversation and this person is a fraud and my Bank of America love to investigate so long but wont credit you the money through XXXX as well too and they are the worst bank ever I lost many money in the past and my bank failed to get the money back I need you guys help please my birthday is XX/XX/XXXX I need help suing this bank and the person scamming me. XXXX was the one who used this fraud to scam people for their money I thought it wasnt a scam until this person is becoming a liar to me I blame both of them!!! And I want to sue them for scamming people on their promotional platforms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
The loan was in a Class Action lawsuit and should have been canceled. I am a Co-Signer for my Daughter and I am being harassed to pay a loan that qualified to be canceled under Navients Lawsuit Criteria for my Daughter in which I was in Bankruptcy at the time of the loan given their Criteria and Navient refuses to cancel the loan as they did for other students who could not pay. 
Navient canceled loans for students who could not pay and they are trying to get the money from me in which I met the criteria being in Bankruptcy for the Loan to be canceled in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I made a mistake and sent Capital One {$15000.00}. It was intended for Capital XXXX XXXX loan payment. Called Capital One and they said I had to get the money by via my XXXX XXXX. The Capital One would not let the XXXX XXXX pull the money back. Called Capital One again and they said they would send a check in 3 weeks. I would like to have the 8.5 % interest I will have to pay on my mortgage for 5 weeks since Capital One is holding my money. They also said I would not get the full {$1500.00} as they were paying down my credit card. I have never been late and have always paid my credit card on time. I think they are being unreasonable and hurting their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
It's a derogatory reporting to my credit report from XXXX XXXX ; which is causing me hardship.They have sold my credit information to various credit collecting agencies.These agencies have violated me in so many ways. They are sending me letters, texting my phone, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our Cesti que trust. The violation becomes over kill, and is a Tort issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. According to HJR 192 these debts are not ours, because they are already paid. 

I can send in any documentation as requested. This include emails, text, letters, a call list. 

" The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have a trust account with TD Bank. I requested services for the start up of a business from a company called XXXX XXXX XXXXXXXX. The payment method for each document was paid through XXXX XXXX. The documents was not drafted correctly on numerous occasions. I called to try to resolve this issue with the vendor. I didn't get far at all ; so I reached out to my financial institution. I was provided a provisional credit. Then I was told the decision was made to deny the credit, and the funds would be reversed. The reasoning was I authorized the payment. Each payment I make with my debit card is authorized ; so that's not a valid reason. I called to appeal the decision and was told it's no appeal process. The Provisional credit was just redone. TD Bank just postponed the funds to be taken out on a later date. I have provided TD bank with the documents drafted for me with other people name on them, A text thread from the vendor expressing his negligence with my paperwork, I have sent a XXXX filing statement that was drafted incorrectly etc. My claim was still denied. 

As a depositor with TD bank I hold a irrevocable trust that is insured up to {$250000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Chex systems has removed an inquiry in the subsection inquires viewed by others after I disputed that they did not have my written aubtorization to furnish this on my consumer report. Now I am asking for a settlement of {$1000.00} for violating FRCA PERMISSIBLE purpose. I have documents when the inquiry was at inquires seen by others to an updated report to the inquiry being removed in the subsection inquires viewed by others. I will be sending a letter of notice of settlement to chexsystems  as well through mail for paper trail just in case this leads further into federal court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
I XXXX XXXX a federally protected consumer pursuant to the FDCPA is being harassed by United Collection Bureau Inc once again for payment of an alleged debt that I do not owe. This is the second time around that this company has harassed me about payment of an alleged debt, when they have no first hand knowledge of my relationship to the alleged debt. They also claim to be collecting an alleged debt bought from an alleged creditor who has failed to verify my obligation to any alleged debt pursuant to Title 15 U.S.Code 1692g. If the creditor in which United Collection Bureau Inc. bought the debt from could not verify my obligation to pay the alleged debt how is United Collection Bureau Inc. even assessing that I owe this alleged debt? 

What Bureau or government agency is United Collection Bureau Inc. associated with?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
I contacted the above loan company and spoke with XXXX, branch manager and explained that they were in violation of my consumer rights by not providing me a clear and accurate understanding of the loan. I issued the a an affidavit, demanding the name, address, phone number etc for the original creditor. 15 usc 1692g. She stated that they didnt have to because they were not in violation of any federal rights. They then repossessed my vehicle by coming on to my personal property, in my driveway, and took my vehicle, causing my children to cry historically. I explained that they could not process the repossession while the account is being disputed. They never sent a letter stating they where my vehicle was or who had it. A police report was filed. I made a misinformed decision by obtaining this loan. I never received a separate notice letting me know that I could resend the contract, and obtain another. These transactions were all reported to the 3 credit bureaus, which violated my consumer rights to privacy. Remove account from 3 credit bureaus as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I obtained a copy of my credit report and noticed that the reporting companies where miss reporting information on my reports. I've reached out to them to correct these issues and have been told that they are not removing them. Examples listed below. 
this self-account ( XXXX ) is being reported as open by, XXXX, Equifax XXXX but closed by XXXX. and the balance is different by each one. 
This account ( XXXX ) is being reported with mis account balance information, by XXXX XXXX XXXX XXXX Equifax XXXX also being reported with mis account active dates. by all three, XXXX, XXXX, Equifax. 
This account ( XXXX ) is being reported with in correct information on the balances., by XXXX and Equifax. 
This account ( XXXX ) is being reported with in correct information on the last active dates., by XXXX, Equifax, and XXXX. As well as Equifax reporting different balances. 
This account ( XXXX ) is being reported with inaccurate information on the last active dates by, XXXX XXXX XXXX XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: MA

Complaint narrative:
I obtained a copy of my credit report and noticed that the reporting companies where miss reporting information on my reports. I've reached out to them to correct these issues and have been told that they are not removing them. Examples listed below. 
this self-account ( XXXX ) is being reported as open by, Experian, XXXX XXXX but closed by XXXX. and the balance is different by each one. 
This account ( XXXX ) is being reported with mis account balance information, by XXXX XXXX Experian XXXX XXXX XXXX also being reported with mis account active dates. by all three, Experian, XXXX, XXXX. 
This account ( XXXX ) is being reported with in correct information on the balances., by Experian and XXXX. 
This account ( XXXX ) is being reported with in correct information on the last active dates., by XXXX, XXXX, and Experian. As well as XXXX reporting different balances. 
This account ( XXXX ) is being reported with inaccurate information on the last active dates by, XXXX XXXX Experian 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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
Failed to send copy of my consumer report and initiate security freeze after verification was sent

Company response to consumer: Closed with explanation