vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 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:
XXXX 8 POTENTIALLY NEGATIVE MONTHS Account info Account number XXXX Date opened XX/XX/2018 Believe I was a victim of the XXXX data breach this information belongs to someone else I've made many attempts to try to resolve this issue and have this fraudulent account removed off my credit reports please assist me in removing this illegal item

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 2022-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Company refuse to provide copy of requested full disclosure of auto loan contract and credit card contract with complete account numbers and transaction history. 
Company Name : Capital One Company EIN XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX, Virginia XXXX I believe the company has committed fraud by switching my auto loan from paid in full to owing a balance. This was put on my credit report in error. In fact, I had a credit card with the company also and somehow they have switched the credit card loan to the auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-08-28 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: CA

Complaint narrative:
THESE ACCOUNTS HAVE BEEN CLOSED/CHARGED OFF BUT NOT 100% REMOVED FROM MY CREDIT REPORT:

CREDIT CARDS:
XXXX  XXXX XXXX XXXX- XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
opened XXXX XXXX XXXX
closed XXXX XXXX XXXX XXXXXXXX  
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 
opened XXXX XXXX XXXX
closed XXXX XXXX XXXXXXXX XXXX

-XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX 
closed XXXX XXXX XXXX XXXX XXXX:
Original Creditor: XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
opened XXXX XXXX XXXX XXXX

Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX  XXXX 
opened XXXX XXXX XXXX
XXXX

Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX 
opened XXXX XXXX XXXX
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
opened XXXX XXXX XXXX
closed XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
I ordered chime debit card, added monies, called chime to cancel and refund my {$50.00}. Provided all my info, cant access account because I changed phone numbers and moved and dont remember password and they want to send to old phone ( which I dont have ), they are XXXX. Ive provided my card number but since I couldnt remember my last XXXX. Transaction, they denied giving $ $ back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX,

has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Galaxy Capital Acquisitions, LLC
State: FL

Complaint narrative:
Have been called nonstop for months and now threatened with court!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: CA

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681section 604 A Section 2 : it also it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account as open end on consumer credit plans as 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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681section 604 A Section 2 : it also it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account as open end on consumer credit plans as purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
i was at Old Navy XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, NY ) around XXXX and the cashier mislead me and applied for a credit card. 

what happened : when i was paying for items i was buying the cashier ( XXXX ) asked me if i would like to get 20 % off in the next three weeks. i said yes. he showed me a flyer i saw the 20 % ( did not hand it to me or gave me enough time to read the flyer in its entirety ). he did not mention it was a credit card. he continued to tell me i can get the discount at Old Navy, XXXX and XXXX XXXX and i would need to enter my SSN. I did, and i was asked to enter again. asked for my ID, and i gave it to him. it took longer than i thought, i asked him is there a problem, he said no. i again asked him if i have to pay extra to get this 20 % off- he said no. however he said the process didnt work and i will receive a letter in the mail. cashier XXXX never mentioned he was applying for a credit card for me or running credit. 

i had no idea, i was mislead to apply for a credit card i never wanted, until i told my husband about this few mins after. we both went into the store immediately, spoke to a manager ( XXXX  ) about what happened. she said she cant reverse what happened and i would need to call Barclays. we explained to her this was wrong and XXXX is taking advantage of vulnerable/less knowledgeable customers just like me. she understood, told us she will investigate this incident. 

I moved to XXXX in XXXX and relatively new in the country. however i was advised by my husband to say no, whenever a store rep/cashier asks me if i wanted to apply for credit card ( because we have enough credit cards ) for example same day few hours earlier, i was at XXXX 's and the cashier asked me if i want to apply for a credit card to earn points and i said no. 

Old Navy employee never mentioned the word credit card or credit. i believe this is simply fraudulent and wonder if this is Old Navy 's usual practice. 

I called Barclays and managed to withdraw the application. i then contacted Old Navy several times to tell them to remove the credit inquiry they made without my consent. they said they dont have a relevant department for such complains and nothing i can do at this point. 

I would like to report this to CFPB and get the un authorized credit inquiry from 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 2022-08-28 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: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
XXXX account closed paid as agreed. sold to collections agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emergent Business Group, Inc.
State: WI

Complaint narrative:
I received a letter dated XX/XX/2022 indicating that I owed an amount that is not mine. The letter only provides the name of the creditor and the amount owed, along with a message that requires a dispute of the claim. Their website requires you to provide your phone number and email address to dispute the claim. I should be able to dispute the claim WITHOUT providing additional personal information. The whole reason someone was able to impersonate me is because they have my personal information. I have no idea who this collection agency is or whether it is legitimate. The collection agency is Emergent Servicing, XXXX XXXX XXXX, XXXX, PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
I may be a victim of the XXXX XXXX XXXX and am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX  XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I will forward copies of my birth certificate, Social Security card and bank statements. 

If XXXX is unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX 1 LATE PAYMENT Credit usage 6 % Balance {$18.00} Balance Updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card The information on this card is completely incorrect that it should be a XXXX balance and no late fee I mean every attempt to contact the credit bureau as well as the credit card company for XXXX XXXX XXXX well as capital 1 no 1 seems to want to help me we are in the covid 19 cares at legally they are not able to file missing information on my credit report I also believe I was a part of data breach for the Equifax as some information has been mixed up and given to other people please help me fix this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX 1 LATE PAYMENT Credit usage 6 % Balance {$18.00} Balance Updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card The information on this card is completely incorrect that it should be a XXXX balance and no late fee I mean every attempt to contact the credit bureau as well as the credit card company for XXXX XXXX as well as capital 1 no 1 seems to want to help me we are in the covid 19 cares at legally they are not able to file missing information on my credit report I also believe I was a part of data breach for the XXXX as some information has been mixed up and given to other people please help me fix this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: FL

Complaint narrative:
There was a collection posted to my credit report after the payment had already been made. I have sent proof of the payment from the companys ( XXXX  website as well as a copy of the payment posting to my bank account with XXXX listed as the company withdrawing funds from my account. 

Date XXXX : XXXX, XXXX  Amount : {$110.00} Actions : Disputed the collection with the 3 major credit bureaus

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ XXXX XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: MARINER FINANCE, LLC
State: DE

Complaint narrative:
XXXX account closed paid as agreed. sold to collections agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
XXXX account closed paid as agreed. sold to collections agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: GA

Complaint narrative:
The XXXX credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. 2022-CFPB-0005, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with XXXX. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that XXXX reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with XXXX from 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 2022-08-28 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: GA

Complaint narrative:
The XXXX  credit reporting settlement order is In the Matter of : XXXX XXXX XXXX, Case No. 2022-CFPB-0005, before the Consumer Financial Protection Bureau . 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with XXXX. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that XXXX reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with XXXX from XXXX.

Company response to consumer: Closed with explanation