vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

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 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: CA

Complaint narrative:
The following accounts have been opened fraudulently without my consent. According to the fair credit reporting act section 109 these accounts must be removed or I will pursue legal action. The first fradulent account opened was XXXX XXXX XXXX and it is dated opened XX/XX/XXXX and the total charges are {$430.00}. The second fraudulent account is XXXX AND ASSOCIATES that is dated opened on XX/XX/XXXX and the total fraudulent charged are {$770.00}. I demand these accounts be removed 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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I mailed in dispute letters three times to this information selling company. They have fraudulent information listed under my SSN and will NOT correct nor remove it. I mailed in a copy of my state issued I.D for name and address verification as well my SSN.NOT once has this company corrected the information that they are selling about me, even after I opted out of them using my SSN without my written permission.

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 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
I received an alert that a derogatory mark was reported on my credit report, but I have never received any communications from this company - " XXXX XXXX XXXX. '' I do not have any information or communications from them regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2022 I applied for a credit card with Ally Lending for the use of potential services needed for the amount of {$1700.00}. I canceled the services I had an appointment for on XX/XX/2022 with the company XXXX XXXX stating I no longer wanted services. This cancellation was 72 hours prior to my previously scheduled appointment. I received a credit card statement from Ally Lending saying that I owed money for services I did not receive. I have contacted both Ally Lending and XXXX XXXX  of which no one was able to help me with the dispute. I have left several messages and still no resolution.

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 2022-10-08 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: CA

Complaint narrative:
The following accounts have been opened fraudulently without my consent. According to the fair credit reporting act section 109 these accounts must be removed or I will pursue legal action. The first fradulent account opened was XXXX XXXX XXXX and it is dated opened XX/XX/XXXX and the total charges are {$430.00}. The second fraudulent account is XXXX XXXX XXXX that is dated opened on XX/XX/XXXX and the total fraudulent charged are {$770.00}. I demand these accounts be removed 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 non-monetary relief
Consumer complaint received 2022-10-08 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: CA

Complaint narrative:
The following accounts have been opened fraudulently without my consent. According to the fair credit reporting act section 109 these accounts must be removed or I will pursue legal action. The first fradulent account opened was XXXX XXXX XXXX and it is dated opened XX/XX/XXXX and the total charges are {$430.00}. The second fraudulent account is XXXX AND ASSOCIATES that is dated opened on XX/XX/XXXX and the total fraudulent charged are {$770.00}. I demand these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
FedLoan Servicing is handling the student loan refund in such a chaotic way. I called first on XX/XX/22 to request a refund. They said they put the paperwork in for around XXXX ( what I paid during covid only ) and it will be 30 days. Apparently they have an automatic voice recording of when you filed for the refund and mine said my application was never filed. 

I called customer again on XX/XX/22 and filed another refund, but this time she said it will be a refund of XXXX, all that is eligible for the student loan forgiveness. Then I inquired more about the cutoff date for refunds since I read that it is only for what was paid during covid suspension. 

I spoke to like XXXX different customer service representatives that day and they all gave me different answers to my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: Credit Karma, LLC
State: TX

Complaint narrative:
Credit karma said that the credit cards saying I was pre approved for, were incorrect, causing a hard hit to my credit score. This effected my house buying g process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX/XXXX/22, I made a authorized purchase with XXXX for {$1500.00}. 

XXXX them canceled the whole amount either on the same day or the XXXX. 

On the XXXX, XXXX did a unauthorized charge in the amount of {$1400.00}. 
On the XXXX, they did a 2nd unauthorized charge of {$15.00}. 

Of course, neither Captial One or XXXX had let me know about said charges. 
As soon as I noticed the charges ( 2-3 days afterwards ) I contacted XXXX. 
Of course, no response. 

I then filed a complaint with the XXXX  against XXXX ( still ongoing, they basically admitted doing fraud ). 

I then tried to start the dispute process online with Capitol One online/app. 
It did not let me. 
It told me to call the XXXX # instead. 

( NOT POSSIBLE, I have a XXXX XXXX. In the past, it gave me the option to do it online and in the app ). 

I then started to the process of filing a complaint with the XXXX  about XXXX XXXX 
I decided to delay it because XXXX  gave me an email to XXXX. 

I sent an email to XXXX, I explained whats going on and wanted to start the dispute process on the {$15.00} and possilbly doing a partail dispute on the {$1400.00}. 

To this day, no response. 
However, they did started the dispute process of the {$15.00} and a partail dispute of the {$1400.00} Now for the big issue. 

I checked my XXXX app today ( XX/XX/XXXX2022 ), it shows that XXXX reversed the charges on XX/XX/XXXX22 and wants me to pay for the illegal charges. 

XXXX did not even told me about any of it! 


Fast forward to XXXX. 
XXXX finaly got back to me after I filed the XXXX  complaint against them. 
After a while, the pretty much admited they commited fraud and refuse to do anything. 

At this point of time, I need to start the dispute process on the whole amount for both of the charges. 
{$1400.00} and {$15.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: KS

Complaint narrative:
Another financial institution has refinanced my car. They continue to pressure me to pay for the vehicle, although the new Lien Holder and I completed the refinance before the monthly payment. XXXX  calls me 2 to 3 times a day to collect payment when I do not owe them anything. Any issues relating to the car should be solved with the institution in charge of the payoff made which is my new Lien Holder. 

They even call me on the weekends! This needs to stop, and better communication needs to be a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: OR

Complaint narrative:
In my recent attempts to correct - incorrect and illegal reporting methods to Experian ; they have failed to fully investigate and abide by FCRA regulations. I wrote in on XX/XX/2022 in request to investigate two accounts reporting on my credit file. 

The accounts are XXXX and The XXXX XXXX XXXX In response on XX/XX/2022, Experian concluded their investigation without fully investigating. I asked for a reinvestigation on XX/XX/2022, I received the same response on XX/XX/2022 - updated account. In my 3rd attempt to resolve the complaint I responded to The XXXX XXXX investigation on XX/XX/2022 and XXXX  investigation on XX/XX/2022 - XXXX then demanded the XXXX accts be deleted for illegally manipulated the statute of limitations. I demanded The XXXX acct be deleted for reporting a past due balance as a collection acct. I received a response from Experian on XX/XX/2022 notifying me the accounts was updated. 

Each time the XXXX account was investigated the account scheduled to stay on report changed and concluded ALL their investigations with an updated acct reporting history. Also, this account has been sold and collected upon by another agency this is also not being reported in the ACCT Status. 

The XXXX XXXX acct I am demanding to be deleted due to it being reporting incorrectly this account has been sold and collected upon by another agency this is also not being reported in the ACCT Status. 

I have all letters I sent to Experian and the response to each complaint. I will also submit proof of the inaccuracies I asked to be to 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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have already filed a complaint with XXXX XXXX XXXX because I believe XXXX XXXX was negligent in forwarding me the report in question but LexisNexis is VERY DELINGUENT in its reporting accuracy about me. I received an ins score report, sourced from LexisNexis, indicating my ins score is XXXX and highest could be XXXX. Reasons for what I perceive to be a low score appear to be old and inaccurate. There appears to be no requirement for LexisNexis to update its reporting details. Some of the statements and the details within them could be more than three years old. Information about LexisNexis online is vague and rambling. Whether a score of XXXX is good or bad is not at all indicated. Further if consumers want more info they have to contact LexisNexis and wait sometimes for WEEKS to get answers. I believe, based on the sloppiness of this entire process I may NEVER hear from them. If this company is going to be free and careless about how they report consumers ' details, they should be more accurate!! For example, did they think to update ANYTHING after the recent XXXX debacle, where some consumers ' scores were dropped 100 points or more??? How do they get their information?? Do they check it for relevance?? How do they inform consumers they exist and possibly use their financial information against them???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I went to XXXX XXXX XXXX in Oregon to finance a vehicle on XX/XX/XXXX and only gave them authorization to run my credit one time to see what I qualified for. But instead they ran my credit 10 times with multiple banks. This reflects on my XXXX, XXXX and XXXX reports and would like this corrected. This was not approved and now I can not get this removed from my credit file. 

I also financed an XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and this dealership did the exact same thing leaving me with 5 inquiries which i can't removed from my report. This is also reflected on my XXXX, XXXX and XXXX reports. 

Also on XX/XX/XXXX I went into a dealership which was XXXX of XXXX and they turned around and did the exact same thing again. But they stopped after I yelled at them and told them Id report them for fraud. This dealership hit me with 4 inquiries. Below will be a list of all the hard inquiries for 3 separate dealerships on 4 different occasions. 

the fourth time where my credit was shot guned without my approval was one XX/XX/XXXX once again by another dealership. This time it was sent out 8 times. 

This is a total of 27 inquiries when i only own 2 vehicles. 

XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL ( DUPLICATE ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( THIS IS THE DEALERSHIP I USED ) XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANICIAL XX/XX/XXXX XXXX XXXX ( DUPLICATE XXXX XX/XX/XXXX ALLY FINANCIAL ( DUPLICATE ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Good afternoon, I noticed there are multiple duplicate inquires on my credit report that is driving my credit score down. It says there are XXXX inquires on my credit report and that should not be the case. Please remove the following inquires as they are duplicates that I did not authorize. Its against the Fair Credit Act for someone to pull your credit without authorization. 

XXXX XXXX is on my credit report over 10 times and they were only authorized to pull my credit report once, I did not authorize XXXX XXXX to pull my credit report, XXXX is on my credit report twice and I only authorized them to pull it once, I did not authorize XXXX XXXX  to pull my credit report, XXXX XXXX  is on my credit report 3 times and I only authorized them to pull my credit report once, XXXX XXXX  is on my credit report 7 times and I only authorized them to pull the report once, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my report once, I never authorized XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX  to pull my credit. 

Anything marked with an asterisk *** should be removed. If someone can assist me in removing these unauthorized inquires and duplicates from my credit report I would greatly appreciate it. 

XXXX XXXX*** XX/XX/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 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 explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Good afternoon, I noticed there are multiple duplicate inquires on my credit report that is driving my credit score down. It says there are XXXX inquires on my credit report and that should not be the case. Please remove the following inquires as they are duplicates that I did not authorize. Its against the Fair Credit Act for someone to pull your credit without authorization. 

XXXX XXXX is on my credit report over 10 times and they were only authorized to pull my credit report once, I did not authorize XXXX XXXX to pull my credit report, XXXX is on my credit report twice and I only authorized them to pull it once, I did not authorize XXXX XXXX to pull my credit report, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my credit report once, XXXXXXXX XXXX is on my credit report 7 times and I only authorized them to pull the report once, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my report once, I never authorized XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX  to pull my credit. 

Anything marked with an asterisk *** should be removed. If someone can assist me in removing these unauthorized inquires and duplicates from my credit report I would greatly appreciate it. 

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 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 explanation
Consumer complaint received 2022-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Last month I thought I changed all of the amounts due on my Capital One credit cards so that I was paying more than the minimum. Please note that there is no way to see what the minimum is on the app or can you access a statement. Today I get a email saying I've been charged a past do fee and that my bill is past due. When I call Capital One they tell me I haven't paid enough that the minimum was {$81.00} and I only paid {$50.00}. So when I went back to my app there's no way to be told what's your minimum is or to access a statement. I had to XXXX how to get this done. Which means I had to log off the app and go into the internet to figure out this information. I feel that this is a sly way of trying to get around people paying on time so that you can charge them fees. I thought I had doubled the amount of my payment so that I could pay more each month when in actuality all I had done was pay less than the amount due and incur myself a past due payment fee. There should have been an option to tell me what the minimum payment was or at least allow me to access my statement on the app.

Company response to consumer: Closed with monetary relief