vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one have a charge off on my report for {$2500.00} XXXX XXXX XXXX  have Charge off on my credit report for {$930.00} and {$950.00}. i send in a ftc report the remove the XXXX XXXX  charge off and add it bad. I have no knowledge of these accounts listed on this report. i was a victum of idenity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 

15USC 1681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY.

15USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15USC 1666 B : A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR 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 2023-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative information on my credit report that has been affecting my credit score. Upon reviewing my report, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I did not authorize an inquiry by XXXX XXXX, XXXX on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Secondly, I have no recollection of belonging to an account with XXXX XXXX XXXX, account number XXXX. Therefore, it is not possible for you to update this account, and I request that you remove it immediately from my credit report. 

Thirdly, I would like to dispute the accuracy of the reporting for my XXXX XXXX  account, account number XXXX. To the best of my knowledge, this account has never been paid late, and the reporting is completely inaccurate. I urge you to update this account and delete the incorrect information immediately. 

Fourthly, I have no recollection of belonging to an account with XXXX  XXXX XXXX, account number XXXX, and Fifthly, XXXX  XXXX XXXX, account number XXXX, and Sixthly, XXXX XXXX  account number XXXX. Therefore, it is not possible for you to update these accounts, and I request that you remove them immediately from my credit report. 

Seventhly, I did not authorize an inquiry by XXXX XXXX, XXXX XXXX on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Lastly, I can not recognize the business XXXX XXXX, account number XXXX, and I request that you investigate this account and delete it from my credit report if it does not belong to me. 

I hope that you will take the necessary steps to correct these inaccuracies in a timely manner. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I have a mortgage with XXXX XXXX and they have reported me to the credit bureaus for not making payments. I have made every payment this year and XXXX  XXXX just made 3 more payments for me. 
I have been turned into the credit bureau each month since XXXX, stating that I have not made my mortgage payment. Currently I should be 2 payments ahead. I had a credit score of XXXX and now its XXXX, each month it keeps going down. I called several times, I had one call back and they said they were going to fix this mess, nothing has happened for 5 months. I called again and they said that my credit would slowly fix itself, it just keeps getting worse. They ruined my credit score and refuse to correct this error. They closed my on line acct so I cannnot even see my acct. XXXX they said that if I did not make over XXXX in payments I was going to loose my home. Attached are proof of my payments and XXXX  XXXX payments they made for me.

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 2023-03-20 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: Westlake Services, LLC
State: CA

Complaint narrative:
Per USC title 15 1681 [ N ] any reporting of my personal credit without expressed consent is a violation of the law cease and decist all reporting and inquiries without expressed written consent from me the consumer.

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 2023-03-20 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
Per USC title 15 1681 [ N ] any reporting of my personal credit without expressed consent is a violation of the law cease and decist all reporting and inquiries without expressed written consent from me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Per Title 15 USC 1681 [ N ] a XXXX dollar fine shal be implemented for each inquery not expressed consented by myself the consumer, cease and decist all reporting not expressly written by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XX/XX/21 Amt {$2400.00} I have knowledge of this account and I didnt not authorize to open it. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Its a crime and SLS robbing me. I am requesting SLS referred to department for criminal complaint. 
SLS applying more than the amount of property tax bill and robbing again and again for financial mismanagement of payments. 
For XXXX property tax is {$3300.00} divide 12 months is {$270.00}. 
7 I have been charged {$2700.00} for 3 months while payment should have been billed {$830.00} I have been charged for close 9 months property tax while as we are still XXXX or third month of the year. 
For 4 months I have been charged total of {$1.00}, XXXX ( XXXX x XXXX ) For 3 months I have charged total of {$1000.00} ( XXXX x XXXX ) STATEMENT DATED XX/XX/XXXX. 
Four payments of {$420.00} OF ESCROW AND IS WHAT PART FOR AND PROVIDE COUNTY TAX BILLS. I HAVE BEEN BILLED FOR 4 MONTHS {$420.00} TOTAL OF {$1700.00} how did SLS came up with figure? 
Three payments of {$350.00} OF ESCROW IS WHAT FOR PROVIDE FULL BRAKE DOWN OR ITEMIZED BILLS WITH COUNTY TAX BILL HOW DID SLS CAME UP WITH THIS FIGURE. 
According SSLS when the loan was transferred on XX/XX/XXXX payment was due from XX/XX/XXXX which means total of 43 payments. At that time my payment was P/I ONLY OF {$920.00} X XXXX = {$38000.00} OF {$60.00}, XXXX {$21000.00} has been stolen. This should refer by be law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Of the {$60000.00} {$17000.00} payment applied and from 1 and 2 contradicting this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Of the {$7800.00} payment applied {$2700.00} for 9 months and it should be 3 months only and over billing me this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
I have been robbed close {$50000.00} I made request in complaint for refund in prior complaint this he been and denied this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Response to CFPB complaint dated XX/XX/XXXX states SLS paid {$720.00} to XXXX for home insurance for no reason. XXXX XXXXXXXX XXXX informed SLS I was paying my insurance and SLS should be paying insurance. I have paid my own insurance. My insurance form XXXXXXXX no payment has been made so SLS should referred to DOJ, FBI and law enforcement for criminal investigation. 
SLS does not payment or any other any other form confirmation from insurance company. SLS and every other mortgage needs declaration page of the insurance. When it to my attention around XX/XX/XXXX I provide declaration cover page. Confirmation form SLS is attached. 
CEO of SLS should get arrested.

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 2023-03-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Per Title 15 USC 1681 [ N ] a XXXX dollar fine shal be implemented for each inquery not expressed consented by myself the consumer, cease and decist all reporting not expressly written by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Per Title 15 USC 1681 [ N ] a XXXX dollar fine shal be implemented for each inquery not expressed consented by myself the consumer, cease and decist all reporting not expressly written by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
Purchased a XXXX  XXXX XXXX XXXX from modern. XXXX XXXX and credit acceptance corporation was the bank that approved the loan the vehicle was financed for a total of {$10000.00} double what it was selling for in addition credit acceptance tacked on a warranty that I pay for tacked for n to the loan I was never told about or agreed to and was not told of the final total of the car loan I felt misrepresented in the whole ordeal I feel like I paid way more than double value of this vehicle and signed of false and hidden fees I feel car should have been paid in full. I still owe {$5000.00} on this loan. That I'm stuck 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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-20 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:
Issues with TransUnion not allowing me to file complaints at all anymore about the issues that I am having. XXXX has me listed in a fraud thing and they havent tried to fix anything. Its under XXXX XXXX, i am XXXX XXXX. I am so sick of people taking my information and then me being blamed for everything.

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 2023-03-20 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Creditor reporting falsely on my credit reports as opened account was XX/XX/XXXX for XXXX, National Credit Adjusters reporting opened XXXX, XXXX XXXX reporting opened XXXX and balance amounts would like an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/23 I submitted a dispute to the credit reporting agencies to validate and send physical evidence such as a signed contract by me or signed agreement between the accounts reporting. The following accounts are XXXX XXXX and XXXX XXXX. They have not produced such documents verifying these accounts to me. Please see attached letter. As per 15 US 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. the are non compliant and negligent with the information they are producing on my behalf.

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 2023-03-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/23 I submitted a dispute to the credit reporting agencies to validate and send physical evidence such as a signed contract by me or signed agreement between the accounts reporting. The following accounts are XXXX XXXX and XXXX XXXX. They have not produced such documents verifying these accounts to me. Please see attached letter. As per 15 US 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. the are non compliant and negligent with the information they are producing on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Hello my Name Is XXXX XXXX, I'm being scammed by this company XXXX XXXX XXXX which does not exist. The Green Sky Bank located in XXXX, GA still charges me {$230.00} every month and is telling me that if I do not make this payment, they will file a claim to take my house away from me. I'm elderly person of XXXX old same as my husband XXXX yrs old. Please I need help. The Solar panel was installed without my authorization and is still not working. Therefore, the Solar panel does not qualify for the program of the installation due to being to old. My friend is helping me send this claim. I'm speaking XXXX. Thank you for reading my messages. God bless you all!.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
identity theft on my credit report 15 U.S. Code 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
identity theft on my credit report 15 U.S. Code 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: V and H Portfolio
State: TX

Complaint narrative:
Creditor reporting falsely on credit report stating account opened in XXXX  would like investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OR

Complaint narrative:
Unopened an account with KeyBank online on XX/XX/2023. I was working out of town in XXXX, Oregon. On XX/XX/XXXX the owner of the company brought us our paychecks. I went to the key Bank in XXXX to cash or deposit my paycheck. They told me there was a restriction on my account which didn't make any sense because I just opened it. They asked me for verification of my address and social security number. I provided it right then and there with the XXXX  manager XXXX XXXX in XXXX, Oregon. He was on the phone. They lifted the restriction. They took my check deposited. It gave me {$300.00} of it. So they said it would take a couple days but the restriction was lifted. I called on Saturday 3 days later they told me the restrictions were still there. I am currently working in XXXX, Oregon. I'm at the key Bank branch and sublimity Oregon after sitting on hold and talking to XXXX different people over the last hour, the holds are lifted. They check was cleared and yet I'm still sitting here. They're not giving me any of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: NV

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This complaint will be my follow-up to my prior complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation