vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX has a credit card account opened on my credit report that is fraudulent that I would like removed immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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 a account without my written instructions 15 U.S.C 1681b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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 a account without my written instructions 15 U.S.C 1681b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: VA

Complaint narrative:
XXXX XXXX incorrectly reported late payments when auto pay was set up but the system failed to make payments. 

Contacted XXXX, XXXX, TransUnion through disputes and the negative reporting was not corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 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: VA

Complaint narrative:
XXXX XXXX incorrectly reported late payments when auto pay was set up but the system failed to make payments. 

Contacted Equifax, XXXX, XXXX through disputes and the negative reporting was not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am behind on my bill for Discover and I understand their needs for calling me but for the past week ( to XXXX ) I have been called, as of XX/XX/XXXX at XXXX no less than XXXX times. I feel as if I am being personally harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit
State: CA

Complaint narrative:
Assignee/Lender Name : Audi Financial Services XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Re : Acct # XXXX ; Car Year : XXXX ; Make of car : XXXX ; Model : XXXX ; VIN Number : XXXX ; Stock Number : XXXX ; I am writing concerning the above-referenced accounts and transactions. 

This vehicle was repossessed by Audi Financial Services in the State of California on XXXX through a third party repossession party, XXXX  XXXX XXXX XXXX XXXX. 

Under the laws of the State of California, California Commercial Code 9609 and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Furthermore, according to California law, the repossession was illegal and a breach of the peace. 

On the day of the repossession, the repossession agent illegally broke into my car, then used intimidation during the repossession by blocking my exit from the premises, preventing me from leaving, therefore imprisoning me, which is considered a breach of the peace. Moreover, the repossession agent repossessed my vehicle after I instructed him not to, which is a breach of the peace. 

As per the California Civil Code, the creditor or the repossession agent must provide the debtor with a notice of the repossession, and it must not breach the peace. In this case, the repossession agent used force and intimidation, which constitutes a breach of the peace. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CA

Complaint narrative:
I am writing to bring to your attention a concerning issue I have been facing with XXXX XXXX XXXX. Recently, I discovered that they have misused my credit report and have not removed any late payment reports from my credit report even after my car loan has been fully paid. 

To provide some context, I had taken out a car loan from XXXX XXXX XXXX a few years ago. Throughout the duration of the loan, I made all my payments on time and in full. However, despite this, XXXX XXXX XXXX reported multiple late payments to the credit bureaus, which had a negative impact on my credit score. 

Furthermore, even after I had paid off the entire loan, XXXX XXXX XXXX did not remove any of the late payment reports from my credit report. This has continued to negatively affect my credit score, making it difficult for me to obtain credit in the future. 

I have attempted to rectify this situation by contacting XXXX XXXX XXXX XXXX XXXX, but they have been unresponsive and have not taken any action to remove the late payment reports from my credit report. 

I believe that XXXX XXXX XXXX ' actions constitute a violation of the Fair Credit Reporting Act and have caused me significant harm. I kindly request that you investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX rectifies their error and removes the late payment reports from my credit report. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A certified letter dated XX/XX/XXXX disputing this alleged debt and requesting that Portfolio Recovery Associates validates was sent. On XX/XX/XXXX, I received a call from an old friend stating that they received a call from XXXX XXXX XXXX at XXXX about a debt that I owe to Portfolio Recovery Associates. Then I received a call from this company on XX/XX/XXXX at XXXX, phone number XXXX, and spoke to XXXX XXXX XXXX ID : XXXX. I informed him that I previously mailed a letter demanding that that validate the alleged debt and to send me said documents via postal mail. XXXX stated that my letter was received, the dispute was closed, and that it why he was calling me. I then received a letter on XX/XX/XXXX from Portfolio Recovery dated XX/XX/XXXX with XXXX months Statements from XXXX XXXX which does not validate this alleged debt. 
On XX/XX/XXXX, I sent another certified letter ( Tracking NumberXXXX ), and it shows that it was received on XX/XX/XXXX. The letter demanded that the company validate the alleged debt, to not contact me via telephone. I also asked that they delete this account from my credit reports since they failed to validate it. 
As of XX/XX/XXXX, I have yet to hear back from Portfolio Recovery and they continue to report this account on my credit reports. They last updated it with the credit bureaus on XX/XX/XXXX. I also disputed this account with the credit bureaus, they continue to say it was verified with the collection agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Hi, i was a victim of an XXXX DATA BREACH more then Once. XXXX has emailed me this and I will be sure to upload it. ON XX/XX/XXXX I got an email from netcredit stating I owed them over XXXX to start paying XX/XX/XXXX, on an XXXX loan taken out that day. The amount of those rates are theft on their own. I never took out the loan and was told i was a victim of identity theft but it was getting more frequent since XX/XX/XXXX. I forwarded the emails from XXXX. NETCREDIT started if I Send them a police report within 7 days this matter would be clear. I did just that within day 4 and on day 5 they already lied and reported to the credit bureaus dropping my credit score by over XXXX points. .I sent them the police report number well ahead of time now i am reporting to the FTC . 

NETCREDIT stated once they can verify the police report they would drop this whole thing. instead they added it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: TN

Complaint narrative:
Delete account immediately In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX has a credit card account opened on my credit report that is fraudulent that I would like removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-18 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: NC

Complaint narrative:
XXXX XXXX XXXX has a credit card account opened on my credit report that is fraudulent that I would like removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-18 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: VA

Complaint narrative:
I have faxed and sent by mail a FTC report, copy of drivers license, social security card and letter with my name address and phone number to Equifax on XX/XX/2023 and again on XX/XX/2023. I have two fraud account with XXXX XXXX and they needed to be removed off my report. I am closing on a house and this is causing problems. 
I have called over 35 times to the call centers that are out sourced to a XXXX XXXX and the people hang up, transfer or start a dispute on the account when they were told numerous times in the call to not start a dispute. The always have a different answer but no one can seem to see the FTC report because we are told the back office has it and are reviewing it. This has been over 18 days and still we have not had the fraud removed and by law they have 5 days.

With sensitive information and a tool that runs our financial decisions why is this overseas. We need them to remove and follow the laws and rules and cant seem to get anyone to listen.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account is not mine. Victim of ID Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 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: IA

Complaint narrative:
Ive disputed my XXXX  accounts repeatedly with proof!! Ive had representatives call me wrong gender after repeatedly correcting them and they say, oh XXXX, youre calling again! ( XXXX on XX/XX/XXXX ). Asked for supervisor multiple times with no call back!! My wife called and they fixed hers immediately!! No dispute needed! They are being discriminatory! Im uploading just a few of the paid in full letters, but I have one for each 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 explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
My name is XXXX XXXX. 

On XX/XX/23, I received a notification from my employer, XXXX XXXX, stating that my bank account was garnished for a debt owed to Credit Central in the amount of {$560.00}. 

My employer provided phone number XXXX Credit Central. The company is located at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. 

I have never been to this location, nor have I ever opened up any loans with them. Moreover, I have never received any notifications from this company regarding a debt that is owed. To obtain a garnishment, this company would have had to bring a case before a court in Alabama. I have never received any notification regarding a lawsuit, thus, never had a chance to defend myself against this unfair garnishment of my bank account. 

I am demanding that Credit Central provide me written proof of a loan that I've obtained from them. If not, remove this garnishment or I will consult an attorney for further advice. 

I can be reached at XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for an American Express card on XX/XX/XXXX, XXXX nitially, they requested additional documents and as I tried to send them the documents, the system would not allow me the do so. I called on XXXX XXXX and was told I needed something else form ( XXXX ). They also told me I needed a letter from my bank to verify my address. I called and they said my application was denied and never allowed me to send in supporting documentation. I have been discriminated against alright the rep told me my score was XXXX which met the standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased orthotics from the XXXX XXXX XXXX XXXX XXXX  Store in XXXX XXXX XXXX SC at a cost if {$1700.00}. I realized that was much to costly fir off the rack orthotics. When i got home ( NC ) i looked at my receipt for XXXX Return policy. There was no mention of Returns. I went on their website foe instructions- all I found were complaints about this company being extremely difficult to get money back, if at all. I called Citibank customer service immediately for advice. I was told they would cancel the card ( ending XXXX ). On XX/XX/XXXX, i took allmerchandise back to the store, they checked the bag and boxes to ensure all products were- they were going to return the {$1700.00} to the Citibank. I explained that based on the horrible Return practices noted on their website that the account was closed. They gave me a receipt doe {$1600.00} .... I checked my Citicard and found that Citibank gave me a new account and put the {$1700.00} on that card! i called them immediately to alert them to their error. to make matters worse, they started a dispute under FRAUD ( not true ) I got a letter from Citibank that they found no evidence of fraud and i owed {$1700.00}. immediately called Citibank and they changed to bill discrepency. Ive been to the XXXX  store 3 times and they say they haven't heard from Citibank. Citi bank says they have nothing from the XXXX store. I was able to get the name and number of XXXX  bookkeeper ; she assured me twice she had sent the reimbursement to XXXX. this has been pending sinceXXXX! Ive talked to probably 10 citibank employees and all they says is they " reached out '' to XXXX. I explained over and over that XXXX sent the reimnbursement before XX/XX/XXXX, So a simple purchase/return/reimbursement has been my nightmare. Two of my XXXX  scores dropped from XXXX. Citibank did give me a provisional credit till problem solved. Please help.

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 2023-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I met someone on XXXX who told me they would help me trade crypto futures. 
After several trading sessions and large profits, they said I must pay taxes to reap my profits. As of now, my account is " frozen '' All of this was done through Coinbase Wallet and XXXX. Neither company is useful in helping me solve the problem. 
I Originally wire transferred the funds from XXXX XXXX to XXXX XXXXXXXX XXXX. 
My entire life savings is " frozen '' in an account I don't even understand. Approximately {$390000.00} USD. I later found out the person has several XXXX accounts under different names. I have made several complaints to XXXX, and they have been of no help. I also filled out a complaint on the FBI website IC3. I'm devastated. I have lots of information about the scammer, whose photographs I traced to XXXX social media site XXXX. I hired a private investigator to help me find the person. I don't know what to do, and I'm at the end of my rope. The scammer even convinced me to cash out my SEP IRA and add that to the pot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: FL

Complaint narrative:
Inquires on my report that are not mine. Victim of ID Theft XXXX XXXX Experian XXXX XXXX XXXX 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