vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX / XXXX / {$980.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-09 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I have a hard inquiry through Barclays Bank in Delaware on XX/XX/2021 but I have never even heard of Barclays Bank nor I have I been to Delaware!

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 2022-02-09 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: Patch Homes, Inc. dba Noah
State: CA

Complaint narrative:
XXXX XXXX XXXX ... Patch Homes ... NoahXXXX continues the systemic Institutional XXXX oppression, and XXXX inequality treatment of my personal credit profile ordering a hard credit inquiry WITHOUT my signed authorization. Either provide a signed by me ( XXXX XXXX ) application, document with my signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX continues the systemic Institutional racist oppression, and racial inequality treatment of my personal credit profile ordering a hard credit inquiry WITHOUT my signed authorization. Either provide a signed by me ( XXXX XXXX ) application, document with my signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports!!!

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 2022-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Please forward the information to CAPITAL ONE, NATIONAL ASSOCATION. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CarMax, Inc.
State: CA

Complaint narrative:
Carmax ordered a hard inquiry WITHOUT my signed authorization! Per the F.C.R.A., either have them provide a signed application document with my signature ( XXXX XXXX ) authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TN

Complaint narrative:
Trans Union is incorrectly reporting an erroneous XXXX XXXX  bankruptcy on my credit report. Trans Union has repeatedly denied my request for deletion online, by phone and written dispute countless times over the last 4 months. Transunion maintains the United States Bankruptcy Court of XXXX Tennessee has reported and verified information to them on this alleged bankruptcy, however, Ive contacted the court and they confirmed they DO NOT report any info regarding case filings to any credit reporting agency or third-party data furnisher. XXXX XXXX, XXXX XXXX XXXX have all deleted the erroneous XXXX XXXX bankruptcy from my credit file due to my identity being compromised last year, while Trans Union has repeatedly refused.

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 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
My ex wife is the successor in interest on my mortgage loan, and I am the primary borrower. Caliber home loans is the servicer, and they allowed her to change the homeowners insurance. They have said successor in interest is allowed to make changes to the mortgage. They say they are following federal and state guidelines, yet repeatedly refuse to tell me what those guidelines they are following. They refuse to send me any documentation regarding those guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NJ

Complaint narrative:
Multiple accounts reporting as late Payments on 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 non-monetary relief
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX ordered a hard inquiry WITHOUT my signed authorization! Per the F.C.R.A., either have them provide a signed application document with my signature ( XXXX XXXX ) authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.

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 2022-02-09 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:
XXXXWestlake ordered a credit report hard inquiry WITHOUT my signed authorization! Per F.C.R.A., either have them provide a signed authorized application document with my ( XXXX XXXX ) signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: LEXISNEXIS
State: NC

Complaint narrative:
LexisNexis is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that LexisNexis has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, XXXX & XXXX confirmed that all items furnished on my credit report remained that is furnished from the third party LexisNexis. In addition, XXXX, XXXX & LexisNexis refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, LexisNexis will NOT furnish documentation that my file is permanent on freeze & suppressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CO

Complaint narrative:
I had a job then caught XXXX XXXX and lost the job and that is why rhe card was not paid for awhile. Just recently a week or two ago I paid XXXX dollars toward said capital one XXXX and it still says I owe XXXX and I should only owe XXXX. I attached a picture of the account and the remaining balance is only XXXX dollars not XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I contacted Penfed and submitted the FTC report to confirm that my account was used fraudulent. I am not 100 % of whom might have used my account but I am only assuming because the bank was pressing me for information. Within 5 days my dispute for XXXX and XXXX XXXX were declined. They said it was declined because I knew the person who commented this crime. I am making a guess as I do not know who could have 100 % done these transactions totaling over 1,000.

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I responded to a promotional balance transfer offer for a 0 % APR on two different transactions for a total of {$9100.00} and paid the balance transfer fee. Prior to this balance transfer, my payment type was set at an auto payment for statement balance. I did not remember to change the auto payment to minimum payment since the 0 % APR allows minimum payment without any interest for the promotional period. So the payment for the new balance from the balance transfer was returned because of insufficient fund, which when I realized the error, I called the back to explain and then changed auto payment to minimum payment. To my shock, after explaining to the bank what happened, they went ahead and cancelled the balance transfer promo, and are now charging me interest of 26 % APR on the balance. I first saw this on my XXXX  2022 monthly statement, and I called them to rectify the issue to return the balance type to balance transfer and not purchase. They refused to do so and are insisting on charging me 26 % APR. This is total cruelty from these credit card companies and I am filing this complaint to show what we suffer in the hands of these institutions.

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 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION, LLC is BREAKING THE LAW. TRANSUNION, LLC is reporting private information on my consumer report and file that was meant to remain private. This is an invasion of my privacy and immediate and prompt attention to this matter is required. Also, TRANSUNION, LLC furnished my consumer report on XX/XX/2022 without my consent to XXXX XXXX as there was an extended fraud alert that stated I needed to be contacted via phone to get consent. This was not done as I was alerted that my consumer report and file was provided without my consent.

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 2022-02-09 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX my barclays us credit card is XXXX XXXX and my other card is XXXX my complaint is that I've been s good customer for 9 months and made my payment s on time. I got my credit line increase. Then all of sudden the risk department unlawfully block my account without telling me until I call them and they wanted me to send a 4560t form so I did along with my photo ID and all of sudden they didn't let me send this on a timely manner reason is that it takes time for the irs to send my tax information and they made a XXXX excuse that the documents were not clear enough. And close my accounts right away I felt discriminate here it was really done because my credit line was increase from 500 to 6700 and I was credit worthy. And they did this to me because I'm XXXX and the credit analyst that increase my limit was a minority women. But when I ask prior the XXXX credit analysts denied me. So the problem here is that barclays pull a fast one and the XXXX credit analysts put my account under review after the XXXX credit analysts approve my limit increase up to 5000 and the other limit was move to my card. And the other problem here is that barclay pull my report multiple times example if they pull a report today and increase my limit. And say I ask for a new increase again in the same day they will pull another credit report with the same information instead of using the prior credit report. .that putting more inquires on my XXXX XXXX credit report XXXX Also I. Asking barclays to removed those duplicate inquires.

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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
Current creditor XXXXXXXX XXXX XXXXXXXX Account # ending in XXXX Agency account # XXXX {$1300.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa 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 2022-02-09 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: CA

Complaint narrative:
Ally Financial continues with the systemic institutional XXXXXXXX XXXX, and XXXX inequality treatment by improperly ordering a unauthorized hard credit inquiry ( twice ) in one day of my credit report WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.

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 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I had a balance owed to Midland credit management llc on XX/XX/XXXX around the amount of {$1200.00}. I had paid down the debt to {$660.00} by XX/XX/XXXX which was reported on time by midland credit management on time. A conversation I had with a manager that urged me to want to pay the account off as soon as possible because he was threatening to sell my account elsewhere. By XX/XX/XXXX I had paid down the debt to {$0.00}. This action has yet to be updated and yet to be reported to the three major credit bureaus by midland credit management. XX/XX/XXXX I reached out to the company to resolve the issue and to see if they can update my paid off status to the credit bureaus. They declined saying that I had to lift my dispute first in order for them to help me. I feel that I do not need to list my dispute that is based on the truth in order to resolve this issue. They went on to even report an accurate information to the credit bureaus even after the dispute was made. Further destroying my credit. They have on my credit report that {$660.00} was the original account balance and that is not true. I paid the balance down from {$1200.00}. They are also saying that I owe {$660.00} as of today that is not true. They sent out a email XX/XX/XXXX saying that I owe {$660.00} and that it will be automatically taken from my account. I do not owe {$660.00}. I owe {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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 Systems International, Inc.
State: TX

Complaint narrative:
I am the federally protected consumer. I am not being coerced by any third party agency. I have more evidence in regards to this company 's willful negligence. I am aware they are attempting to collect on behalf of someone else, however, this company is furnishing inaccurate information furthermore violating my federally protected rights as I never gave permission to them directly to furnish anything to my consumer report. They are also furnishing transactions and history between a creditor and I, which, according to law should be excluded from consumer reports. This company is a VIOLATOR!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am a XXXX XXXX XXXX. I must have a credit report to submit to the state governing agency before I can obtain my renewal license. I have retrieved my credit report on several occasions utilizing the free annual credit portal. I have not changed any information at all. Yet, the three credit reporting companies will not allow me to access my reports online. I have to wait as long as 2 weeks before receiving it in the mail. This is untenable as I need it now. I can not practice XXXX without a XXXX XXXX XXXX. 

Their actions will have a devastating monetary effect on me. 

Transunion has promoted inaccurate information on an heir property where my name appears as an administrator as my home address, which has never been my place of abode. In other situations, as a Realtor, I have served as a fiduciary for my clients and was required to have my information along with my company registered as the point of contact. No matter how much I have attempted to have the companies recognize my address I have used for several years they refuse to do so. I believe there exists a XXXX and XXXX nuance as to why these companies have created a problem for me on my reports. They can not conceive how I am affiliated with several addresses which I have absolutely never connected with my personal affairs. 

I have tried to get that corrected to no avail. Additionally, Trans Union is reporting a delinquent account to XXXX XXXX, which is untrue. I have tried to get it corrected on many occasions and can not. I have a 100 % payment record with no delinquencies.

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