vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Auto sent me backup for its authorization to obtain my credit information in response to a prior CFPB complaint ( # XXXX ). The documents Captial One provided, however, belong to a XXXX XXXX XXXX in XXXX VA. The documents include detailed financial information regarding Ms. XXXX 's auto loan with Capital One. My concern is that Capital One conversely sent similar detailed financial information regarding my auto loan to XXXX XXXX or someone else, placing my identity at serious risk. Attached is a copy of what Capital One sent to me. I shredded the hard copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have inquiries on my XXXX  report that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: TX

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

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.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have inquiries on my XXXX report that doesnt belong to 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 non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I have inquiries on my XXXX  report that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: TX

Complaint narrative:
On XXXX2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-05 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: NY

Complaint narrative:
On XXXX, I've sent dispute letters to Credit Bureau and did not receive investigation results within 30 days. I've sent certified mail with disputes letters also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: CBC Companies, Inc.
State: CO

Complaint narrative:
1. Denied Credit Freeze- with my current address 2. Denied annual credit report because of my address. 

I am an American Citizen with a valid social security number. 
per complaint # XXXX : Submitted false information that I received a credit report on XX/XX/XXXX from Innovis. 
It NEVER happened. Further text says their is a security freeze on Innovis ' account. 
Phone conversation of XX/XX/XXXX revealed no such freeze. 

Text also goes on to say that it was mailed to me- in XXXX where I was living? - Never happened. Innovis policy says no international mail, in or out. 
What about now - annual report and freeze status? 

Text also says : I can request a credit report. - Impossible with my current address, and the phone conversation of XX/XX/XXXX said Innovis does NOT accept international mail. 
They also said they would not accept US Federal government information about my current address such as 1099 Social security since it is in XXXX. 

Suggest a Federal investigation on Innovis Policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : 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 non-monetary relief
Consumer complaint received 2022-03-05 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: NY

Complaint narrative:
The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XX/XX/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 2022-03-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XXXX ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: TX

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

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.

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 2022-03-05 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: TX

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

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
I have no knowledge of any account being in collections I received a notification from one of the credit reporting agencies that I now have a derogatory mark on my credit due to a collection account from mca management company a company Ive never done business with. Im disputing this debt & the validity of this debt in its entirety and requesting a debt validation letter. THIS IS a direct violation of my rights as a consumer per the fair credit reporting act I have to be properly notified of the said debt prior to placing anything on my credit report which this clearly wasnt done THIS DEBT IS INVALID. remove this account and any trade lines affiliated with it immediately I know my rights as a consumer I will move forward with litigation against your company for and violating the fair credit reporting act for placing this derogatory mark without any debt validation /failure to notify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I went on all three credit bureau website based upon the information supported by XXXX XXXX and XXXX. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
XXXX  website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.

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 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
Bought a Netspend realoadable card at XXXX for {$100.00} + {$6.00} fee, on XX/XX/2020. As I was moving, it sat in a box for a couple of months, & when I tried activating it, their website would not let me. I then called them & they said it had been registered under a deceased person 's SSN. Since then, they've refused ANY kind of help. They insisted in having a copy of a receipt in order to unblock the card and/or refund me. They've also hung up on me an indordinate amount of times. It's taken me nearly 2 yrs to finally be able to get a receipt from XXXX, and now Netspend is asking for tons of other documents that are not germane to the situation. I've sent them the receipt, a photo of the card in my possession, PER THEIR REQUEST. Now they want my SS card+proof of address+ID card+Passport copy+Naturalization Certificate+paycheck stub, bank statement, proof of government aid, and a host of other things! They are NOT a bank, they are **a licensed provider of money transfer services**. Them asking for all this information is conducive to identity theft. As of now, they are stealing {$100.00} from me & are refusing since the year 2020 to refund it or reopen the card DESPITE MY HAVING SUBMITTED COPY OF THE RECEIPT THEY HAD SAID WOULD BE THE ONLY DOCUMENT THEY NEEDED.

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 2022-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Pretty there is someone out there using capital 1 to scam people that have applied for personal loans. I got a text that started like this. 

Dear customer We are happy to inform you that CapitalOne has approved your loan. 

Loan Approval ID - XXXX Loan upto {$8000.00} Period upto 48 months If youre still looking for loan so reply YES or CALL on ( XXXX ) XXXX Thanks & Regards, XXXX XXXX Loan Manager. 


They would proceed to send 900 to my bank. Then asked for it back in target gift card to confirm my bank. Then I sent them the gift cards and 2 days later the amount that went into my bank bounced. They would proceed to apologize and say that was in error by accounting. Deposit a larger amount and ask me to send them the difference. I knew something was up then and had my bank stop all transactions and they are looking into it. This is the persons phone # ( XXXX ) XXXX and they will pose as a loan person from capital one every time they pick up. I asked for a contact manager and they said it was XXXX XXXX phone # ( XXXX ) XXXX. XXXX in accounting department in finance. Email is XXXX. I called that number and that person picks up stating they are a capital one manager. Please investigate this or if there have been other reports like this and let me know. If you need my bank to get copies of the payment that went in or the target gift card details I would be more than happy to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: TX

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

15 U.S.C. 1681 Section 602 A. States I have a 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.

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 2022-03-05 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: TX

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

15 U.S.C. 1681 Section 602 A. States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: GA

Complaint narrative:
XXXX, XXXX AND TRANSUNION ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : ACCOUNTS RECEIVABLE XXXXXXXX XXXXXXXX- 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 non-monetary relief
Consumer complaint received 2022-03-05 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: GA

Complaint narrative:
XXXX, EQUIFAX AND XXXX ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : ACCOUNTS RECEIVABLE XXXXXXXX  XXXX- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: NC

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

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
This debt is not mine. While " XXXX XXXX '' is my given name, this debt does not belong to me. The collection agency has never validated this debt. The collection agency can not prove that this debt is MINE and not that it may belong to someone who happens to share my name. This debt has been previously deleted who also erroneously placed it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: NC

Complaint narrative:
I went on all three credit bureau website based upon the information supported by XXXX XXXX and XXXX. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
Experian website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: NC

Complaint narrative:
I went on all three credit bureau website based upon the information supported by XXXX XXXX and Experian. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
Experian website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.

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 2022-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Roseberry Inc.
State: ID

Complaint narrative:
Title cash of Idaho is doing very illegal things. The new area supervisor is requiring the employees to write down the customers bank account information so they have it. Even though its in the system but you can only see the last XXXX of the account number. Shes also wanting them to write down their debit card info down so they can charge the customers card info so they can charge it more than 2 times. Even though they are only allowed to charge a customers card twice. The regional manager is constantly talking about doing drugs, even in front of customers. They are doing a lot of illegal things, and its not right. I am a previous employee, and the reason I dont work there anymore is because I wouldnt do what they wanted me to.

Company response to consumer: Closed with explanation