vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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: FL

Complaint narrative:
I have never submitted any written consent for a bankruptcy to be reported on my credit report. I asked all three credit bureaus to remove this information as it is in direct violation of my consumer rights and severely affecting my ability to live. With countless attempts to address this issue, the credit reporting companies continue to ignore my concern and abuse my rights. They claim the account is verified by XXXX XXXX and the district court but I have a letter from both stating is not reporting a bankruptcy or they do not provide such information. The three major credit reporting companies are unwilling to cooperate with the laws given to US citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: FL

Complaint narrative:
I have never submitted any written consent for a bankruptcy to be reported on my credit report. I asked all three credit bureaus to remove this information as it is in direct violation of my consumer rights and severely affecting my ability to live. With countless attempts to address this issue, the credit reporting companies continue to ignore my concern and abuse my rights. They claim the account is verified by XXXX XXXX and the district court but I have a letter from both stating is not reporting a bankruptcy or they do not provide such information. The three major credit reporting companies are unwilling to cooperate with the laws given to US citizens.

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 2022-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
Did not no for 2014 XXXX was XXXX XXXX he told us something different and they would let me go by social security income and the car is XXXX holder name which he it was too high for me they is some rude people and cut the car off if u one day late thats wrong when I told them I get a check on the first of the months.so I would love that to go off my credit. In the XXXX XXXX  was that came from car mart was a lemonade and that the man name XXXX work down there told me he just want use my income for the person that got. Car and he stilll add my name to car when u told him not they rude also lady. Name XXXX and I be call heads company and told them what boy did they my names didnt post go on the car period so he ack did some fraud stuff that was wrong and I told the lady can she please take off that car car/mart in XXXX Ms

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: AL

Complaint narrative:
I paid off the remaining debt in XXXX which was {$280.00}. All the major credit bureaus have the collection paid off and removed from my credit report except for Equifax which is still showing the amount of {$50.00}. I didnt contact XXXX which is now XXXX XXXX, who is in charge of the debt because its showing {$0.00} on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XX/XX/2022 DID NOT GIVE PERMISSION TO ACCESS MY CONSUMER REPORT NOR DID I GIVE THEM CONSENT TO ADD INACCURATE INFORMATION TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This company is in violation!! I asked for information and was supposed to receive the information in 15 days and didn't receive it. 
Notice, it is a fact, affiant is aware, in accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer and affiant have the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, Consumer, am filing a complaint against Equifax Information Services LLC for aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ), I, XXXX XXXX, never gave Equifax Information Services LLC the written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to furnish my information, therefore you are in violation. You are also in violation pursuant to 18 U.S. Code 1028 ( a ) ( 2 ) ( 5 ) ( 7 ) ( b ) ( A ) ( ii ). In this letter I received from Equifax Information Services LLC, dated XX/XX/XXXX, is proof, and admission of the violation ( s ) which is high lighted ( See attachments ). Equifax you are being fined for {$1000.00} ( per ) violation ( s ) and must send check via mail to my address on file via ( CFPB ) portal. Failure to comply will also be a violation pursuant to 15 U.S. Code 1681n ( a ) ( A ). You, Equifax Information Services LLC admitted on your letter obtaining my information from a 3rd party vendor, however, this is a violation of The Privacy Act of XXXX, as amended, 5 U.S.C. 552a. You are also in violation ( s ) of the FCRA as well for reporting inaccurate information and without any of my consent. In your dispute/letter you stated everything is accurate which is false and misleading information, and you didnt comply with the Law sending me my certificate of accuracy pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS so, however, you are in violation. I am putting you on notice of your violation ( s ) failing to comply will be a violation pursuant to 15 U.S. Code 1681n ( a ( A ). Best regards!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$4500.00} / XX/XX/2022

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 2022-04-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC is actively reporting a line of credit as a defaulted and charged off mortgage to the credit bureaus. It is being classified as an M9 by the credit bureaus. After numerous attempts, there is no one individual at PNC who can navigate an issue from XXXX when PNC inherited the errors. 


I first spoke with Customer Service ( XXXX, XXXX, XXXX @ XXXX ext. XXXX ) and said I had the Recorded instrument with the Satisfied Stamp to prove the equity line was paid off in XXXX. One individual told me they arent XXXX XXXX but PNC, not knowing of prior mergers. All were unable to help and did not call me back. 

My second attempt with an XXXX XXXX was unsuccessful so I contacted a local branch with a Mortgage Broker office. There I spoke with XXXX XXXX ( XXXX ) XXXX. He informed me there was nothing that could be done and failed to provide any avenue to help resolve the error. 

Overview of error : With the many mergers ( XXXX became RBCXXXX XXXX then RBC Bank XXXX then PNC ) there was an error in the transitioning. 
The original credit line was opened with XXXX as an Equity Line for {$80000.00}. This was paid in full XXXX of XXXX. 
There is public documentation of RBCXXXX Certificate of Satisfaction for the Equity Line, paid in XX/XX/XXXX with the Register of Deeds ; with the merger of the two banks this has been overlooked by PNC. 
There is public documentation of the property used to secure the Equity Line being sold and transferred free of liens to the new owners XX/XX/XXXX. 
The account was then converted to an open line of credit, paid in full XX/XX/XXXX. 
We have not, nor ever have defaulted on a mortgage or credit line. 

We have documents showing a clear paper trail that begins with an equity line secured with property, a filed note of satisfaction from the payoff, a bank statement showing a zero balance and a clean transfer of ownership to the new owners, all ending in XX/XX/XXXX. 

The current RBC/PNC reporting to the credit bureaus needs to be changed from a charged off mortgage to a paid in full line of credit from XX/XX/XXXX up to the payoff in XX/XX/XXXX. 

Because of the age of these transactions, we were not aware of the reporting code M9. We had no need to apply for credit until we were refinancing our home in XXXX of XXXX, which was when we were informed how detrimental this error was to our credit report. In the end, it cost us points on our new mortgage and have probably had poor credit scores due to our supposed default of a mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$4500.00} / XX/XX/2022

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 2022-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I am attempting to buyout my vehicle from my lease. I have requested a detailed lease buy-out report so that my credit union can fund my loan. I have been approved for my loan. The details listed on the report provided by Kia do not add up to the " Total Purchase Price '' they request, and my credit union will not fund the loan based on their incomplete documents. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have been transferred back and forth between lease end and customer service multiple times. I have been told that the numbers don't add up because " it's in the contract '', that " I should just know what the extra amount is '' that " It's the purchase option fee '' that the " Purchase option fee will be charged later after they receive my payment ''. I have been told that it's my fault because I haven't been clear that I want a document wherein all the numbers add up to the total. Ihave been told that the " Total Purchase Price '' listed on their report isn't really the purchase price, and they will send me an addititonal bill after they receive my final payment. All I have asked for is a report from Kia wherein their details add up to their total. The best I get is a promise to request a document from lease end. All I receive is another document that doesn't add up. I have spent over 5 hours on the phone with them and been hung up on three times.

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 2022-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, someone hacked my Capital One account and made an unauthorized transfer of {$520.00} through XXXX to someone named XXXX XXXX ( XXXX ). I called on the same day to let a capital one representative know that an unauthorized transaction had been made on my account. They filed a claim report and told me I would get a response within 10 business days. They did not restrict further transactions to that particular XXXX account. On XX/XX/XXXX, the same XXXX account XXXX XXXX stole another {$100.00} ( that was all I had in my checking account ) that I had deposited on that same day. On XX/XX/XXXX, Capital one denied my claim for fraud on the {$520.00} and refused to re-open the case even though there was now a second fraudulent claim of {$100.00} on the same account. They instead told me they would review the {$100.00} fraud. I have now lost {$620.00} from a bank that I trusted and have made numerous transactions through without ever complaining about anything. The customer service and the inability of Capital one to protect their customer from not only one but two fraudulent activities on my account has caused me insurmountable distress and stress as to how to pay my rent. I wish Capital One could have reviewed my account more in-depth and figured out that this was an account takeover. I wish the customer service had transferred me to the FRAUD department on XX/XX/XXXX and did everything in their power to protect my hard-earned money. If I had deposited {$1000.00} instead of {$100.00} on XX/XX/XXXX, I would have lost {$1500.00}. Capital One could have avoided such immense collasal loss as a low-income student by going above and beyond to protect my account and they have failed me and put me at great risk for non-payment of rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX my Transunion credit score dropped XXXX points from XXXX to XXXX. I am a credit customer of Transunion and i immediately checked my credit report. I found nothing derogatory. I called Transunion and spoke with several people they looked at my credit report and no one could provide any kind of answer. I wrote letters to my servicing office and the Transunion corporate office. I received no direct responses other than sending me a copy of my credit report. which i obviously already had. 

what am i to do next? 

thanks 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 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
XXXX INNOVATIVE RECOVERY INC I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXX Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of identity theft reports XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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 — Their investigation did not fix an error on your report
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I have disputed Arbor Professional Solutions, account number XXXX on XXXX XXXX, XXXX and XXXX. 

This furnisher is not forthcoming with actual legitimate verification. 

This furnished information is inaccurate and can not be substantiated. 

This account still remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Are used to have an account with Citibank and I closed all of my accounts with them but I still receive a charge of about {$100.00} that I owe them although I have close my account

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 2022-04-05 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE is violating of my rights as a consumer, they have not validated the debt but continue to report to the credit reporting agencies FDCPA Section 809 ( b ). Also, they are in violation of FDCPA Section 807 ( 8 ). 

Telling me that the account was opened with a valid contract is not validating a debt. Where is the contract?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Account was frozen on Gemini exchange. Been over a month. Didn't unlock my account even after providing all the necessary documents. Ticket ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: MD

Complaint narrative:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation