vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
COMPANY CLOSED MY ACCOUNT WITH NO EXPLANATION, NOR ALLOWED ME TO EXPLAIN ANY POSSIBLE AND OR HARDSHIP, WHICH CAUSED THEM TO CLOSE THE ACCOUNT. 

THEY STATED THAT THEY ARE ABLE TO EVALUATE CREDIT REPORT EVER SO OFTEN AND JUST CLOSE THE ACCOUNT, BUT NEVER CALLED AND OR GAVE ME NOTICE THAT THEY WILL BE CAUSING OTHER ACCOUNTS TO GO INTO DEFAULT BECUASEE CARD WAS TIED TO OTHER BILLS AND AS PAYMENT METHODS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This account is reporting inaccurately across all three credit bureaus. This is a violation of the Fair Credit Reporting Act.

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 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: MN

Complaint narrative:
This company continued to report debt I do not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I HAVE ACCOUNTS REPORTING ON MY CEDIT REPROT I DID NOT OPEN AND I DO NOT OWN THESE ACCOUNTS I HAVE DISPUTED MULTIPLE TIMES AND NO REPSPONSE WAS GIVEN I NEED THIS ACCOUNT REMOVED.

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 2022-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MO

Complaint narrative:
On or around XX/XX/2021 I applied for a mortgage loan in the approximate amount of {$70000.00} and was denied by AMERISAVE MORTGAGE CORPORATION. This company claims that they were applying their decisions based by the FCRA rules but completely failed to satisfy the requirements of the XXXX of having a determining factor of my denial of the loan. they also shared my private information with third party companies without permissible purpose. They denied me an extension of my own credit under the FTC which is all together credit discrimination.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing 2 fraudulent XXXX XXXX XXXX accounts on my credit report with Experian since XXXX of XXXX because I did NOT authorize these accounts and are unknown to the nature of these services or provider. I wrote Experian and mailed disputes certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting the method of validation/verification of alleged debt since they said they verified the accounts. I never received any proof of validation/verification of alleged debt from Experian. Meanwhile XXXX and XXXX have since deleted the two XXXX XXXX fraudulent accounts from my credit report. Hum I know why they deleted them from my credit report because they could NOT validate an inaccurate fraudulent account. I have since filed two FTC reports regarding this identity theft one on XX/XX/XXXX and the other on XX/XX/XXXX. I mailed Experian a copy of the FTC Report # XXXX. 
I am a victim of Identity theft. These items on my credit report are from unauthorized use of my social security number and card. I did NOT authorize these accounts to be taken out in my name. I am unaware of any of this. 
HOW DID Experian VERIFY AND VALIDATE THESE ACCOUNTS? VERIFIED BY WHO? THE EOSCAR MACHINE? EMPLOYEE? WHICH ONE? WHAT DATE? WHERE IS THE VERIFICATION AND VALIDATION THAT Experian says that they HAVE BUT they are NOT WILLING NOT SHOW IT TO ME? EXPERIAN SAY ITS MINE BUT I CANT SEE IT? EXPERIAN WILL NOT SHOW ME VALIDATION OR VERIFICATION BECAUSE THERE IS NONE THIS IS FRAUD. AS A CONSUMER I DEMAND THAT EXPERIAN DELETE THE ACCOUNTS 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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent letters to XXXX over a month ago about them reporting late payments on a charge off account and how it is illegal and for them to remove the accounts and how they are invading my privacy reporting such accounts that makes it detrimental for me to receive credit cards, purchase a home etc. I have asked them to remove the late payments/accounts XXXX and XXXX XXXX this should not be reported on my files as they are charged off making them income.

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 2022-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Comenity bank provided a letter stating the balance was paid down. 
XX/XX/XXXX Customer inquired about credit reporting XX/XX/XXXX XXXXomenity replied that credit reporting was done every 30 days and told me to wait 45 days XX/XX/XXXX Balance paid off completely XX/XX/XXXX Reviewed credit report through the home buying process and because Comenity has not updated the account I am unable to qualify for down-payment assistance for XXXX  here in the state of Florida. Spoke with Comenity at XXXX this evening and was told they would generate another letter showing that the account was paid off, but had no estimated time for when credit reporting would be updated. Asked for a supervisor and the agent restated there was nothing that could be done even after four months of waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This account is reporting inaccurately across all three credit bureaus. This is a violation of the Fair Credit Reporting Act.

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 2022-10-17 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: NV

Complaint narrative:
This account is reporting inaccurately across all three credit bureaus. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have 2 accts with LVNV funding. One for {$440.00} and one for {$120.00}. They are reporting that these collections are OPEN accts which is not under FCRA compliance in being a collection acct. This is inaccurate and needs to be immediately removed from my report. Also I would like a copy sent to the address listed on my report as soon as you remove the claims. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC.
State: AZ

Complaint narrative:
1800 LoanMart fraudently obtained a loan against the title of my XXXX XXXX XXXX. I do not know who obtained the loan but my information was used illegally. I had first notified loanmart of this theft in XX/XX/XXXX. A police report was then filed in XXXX of XXXX after every attempt to contact the company went unanswered. All police reports have been sent to the company multiple times. The car was stolen and a felony assault charge was placed on the repossession agent in XXXX. Again, police reports were sent to the company and all answers to have the vehicle returned were left unanswered. 

Requested information including police reports, ID and affidavit of identity theft were sent again via email to XXXX XXXX on XX/XX/XXXX the 5th business day after a letter was sent to me disputing the claim of identity theft. 
I have requested all the information that was used to obtain this loan and the documentation with a wet signature but have not been sent anything. I was told previously by a detective with the XXXX Police department that whoever obtained this information and loan did it all electronically. 
The information reported to the credit bureaus is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
There was a fraudulent charge on my Barclays jetblue credit cardXXXX from cheap carribbean-on XX/XX/2022. It was on my now closed card XXXX XXXX XXXX XXXX. We tried to resolve with cheap carribbean who has no record of the transaction. 

We have disputed the charge 15 times and have spoken to Barclays about the dispute 5 times. They have not done anything except charge interest and late fees. This is problematic as my credit rating is suffering for a purchase I never made. 

As Barclays refuses to act I have no choice but to complain to you. After over 2 months they appear not to be submitting the dispute as cheap carribbean said they will refund the card if the dispute is received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17 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: LA

Complaint narrative:
In Accordance with Fair Credit Reporting act all these accounts have violated my rights 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15.U.S.C 1681 section 602 A. States that 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 an 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 non-monetary relief
Consumer complaint received 2022-10-17 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: LA

Complaint narrative:
In Accordance with Fair Credit Reporting act all these accounts have violated my rights 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15.U.S.C 1681 section 602 A. States that 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The inquiries reported on my credit report are a violation of my privacy and the Fair Credit Reporting Act.

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 2022-10-17 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: GA

Complaint narrative:
I have been a victim of identity theft since 2015 I have had freezes, fraud alerts, put on my credit report. I have made police reports which I have sent in to Equifax reguarding account and inquiries not made by me. In one of my police reports from 2015 its listed that all my personal identifying documents where stolen, which includes passports, ss cards, tax returns info etc. EQUIFAX have removed the fraudulent accounts but NOT the inquiries from attempts to gain credit in my name fraudulently or unauthorized are made. I can not keep a fraud alert or freeze on my credit at all times because it hurts me when Im applying for credit. I can not help people have my information and tries to apply for credit or new accounts from time to time. As soon as I realize it, I freeze my credit and try to dispute inquiries. I have sent 5 letters of disputes for the inquiries and 8 fax. EQUIFAX has failed to investigate or reply. They have no proof I authorized or given permission for anyone to run my credit. Nothing that I signed with my signature. These inquiries and credit rating are affecting my livelihood, and they have not replied to me since XXXX when I began noticing the problem from my credit monitoring site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My mortgage company New Rez sent my tax money to the wrong place. This happened last year 2021 the last XXXX quarters.and 1quarter this year for a total of XXXX dollars I started receiving notices that my taxes were late I calledNew Rez they sent the money to my second property tax department in XXXX however XXXX claim they didn't receive the money.New Rez keeps telling me they are gon na get the money back and put it back in my escrow.They have raised my mortgage in the XXXX dollars a month instead of putting the money back in my escrow They keep lying to me every month. They admit its their mistake but they won't fix it.this has been going all year I pay my mortgage on time please help just want them to put the money back in my escrow

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 2022-10-17 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The inquiries reported on my credit report are a violation of my privacy and the Fair Credit Reporting Act.

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 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I, XXXX XXXX, a consumer defined as, any natural person obligated or allegedly obligated to pay a debt pursuant to 15 U.S Code 1692a ( 3 ), have suffered from various violations of my Consumer rights protected by the Fair Debt Collection Act in connection with the collection of an alleged debt. I am aware and have proof that PORTFOLIO RECOVERY ASSOCIATES is in violation of 15 U.S.C. 1692c ( a ) ( 1 ) of the FDCPA. A representative from your company called me after XXXXXXXX  stating I owed a debt. I informed her this was an inconvenient time and after hours for me. She then proceeded to harass me and tell me it was only after XXXXXXXX  which was very profane. My kids are in bed at that time and my infant was breastfeeding. I then demanded to be placed on the Do Not Call list. The following day your agent called me again from the number XXXX violating 15 USC 1692 d ( 5 ) and I repeated that I should be on the Do Not Call List, to which your agent then deceptively told me your company does not have a Do Not Call List. PORTFOLIO RECOVERY ASSOCIATES then sent statements in the mail from XXXX XXXX stating that I owe a debt. Pursuant to Pacific concrete FCU v Kaunaoe 62 Haw. 334 ( Haw. 1980 ) statements & consumer contract are not sufficient evidence of debt. I have previously disputed this account several times with the consumer reporting agencies. I have also filed an FTC report on this FRAUD and harassment for this alleged debt. As a result this inaccurate account has been removed from my XXXX and XXXX report since XX/XX/XXXX. However, PORTFOLIO RECOVERY SERVICES still continues to report this fraudulent and inaccurate account to XXXX as collections and is in violation of 15 USC 1692 e ( 8 ). PORTFOLIO RECOVERY ASSOCIATES continues to mail me several statements using deceptive means to collect the debt allegedly owed. I have no agreement with PORTFOLIO RECOVERY ASSOCIATES and did not give consent for my nonpublic personal information to be shared with this third party or harass me stating I owe any debt. This account can not be verified when it has already been validated as INACCURATE and has been DELETED from my consumer reports. Reporting this account to XXXX is FRAUD and a violation of the FDCPA and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE MULTIPLE ACCOUNTS REPROTING ON MY CREDIT REPORT THAT I HAVE DISPUTED BUT I HAVE NOT GOTTEN NO RESPONSE. I HAVE NOT OPENED THEWSE ACCOUNTS IN MY NAME I NEED THESE CREDIT COMAPNIES TO REMOVE THE ACCOUNT FROM MY REPORT.

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