vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 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: AL

Complaint narrative:
XXXX XXXX Account : XXXX XXXX XXXX ) Account : XXXX ( Credit Agencies ) Reason for dispute : First, the name is incorrect which is an error, that alone is a reason for deletion according to FCRA Laws. 
This is my XXXX notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. 

Furnishing this information to credit agencies without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( XXXX, XXXX, Experian, and XXXX ) without my PERMISSION OR CONSENT which is a violation. 

Pursuant to 15 USC 1681a you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 

This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. 

I asked that you remove all student loans accounts from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness. 

Account disputed : XXXX, remove from credit agencies. 
Account : XXXX ( Credit Agencies )

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 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I XXXX XXXX XXXX filed some disputes with all XXXX credit bureaus. such as Experian, XXXX XXXX, and XXXX. I submitted the disputes requesting that my personal information be updated. I got married in XXXX of XXXX. Recently, I was notified by a law firm notifying me of a family trust that had been set up in my name. In the information that I received from the firm. Is that it had been set of by my father before he passed. The firm advised me that there was attempts made over the last XXXX, to XXXX years. The firm advised me that in order to for me to move forward I had to take steps. To complete the process of completing process legally. I had to first of all I had to provide prooI of documents with my legal name. Therefore, I requested my name be updated with all XXXX credit bureaus. XXXX of the credit bureaus, did update my name to XXXX XXXX XXXX. Experian credit bureau, still reporting my name as XXXX XXXX This name is not my legal name by law. The law firm advised me that this is not my legal name So, I am filing this report to get Experian to update my file name which is legally by law XXXX XXXX XXXX not XXXX XXXX. The FCRA, states that in consumer reporting that the consumer information is to be 100 % accurate. Experian, is not following federal law, therefore I am requesting that my name be updated as per the law.

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 2021-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I disputed an erroneous collection from XXXX ( account # XXXX ) in the amount of {$130.00}. XXXX was the creditor on my credit report. I sent everything to them and the three credit bureaus through certified mail. After numerous communications they were unable to locate the account and agreed to delete it from my report. It was deleted as agreed. On XX/XX/XXXX this debt was improperly re-inserted onto my credit report by a third-party collection agency, EOS CCA under an account number of XXXX on behalf of XXXX. I received no communications from EOS CCA. I filed an online dispute requesting additional information and only got a response of verified. This was previously resolved and removed and now EOS CCA cant provide any documentation it is still owed nor will the remove it after it being improperly re-inserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2021, Experian, HAS NOT UPDATED MY PREVIOUS ADDRESSES CORRECTLY. I have attached the inaccurate address printed from Experains website. My previous address was XXXX XXXX XXXX, XXXX, NC XXXX. Which is spelled out incorrectly on there website. I have attached that to show as proof of inaccuracy. When I printed my Experian consumer credit report on XX/XX/2021 and the PREVIOUS ADDRESS are inccurate. The print out version of my credit report has 2 incorrect addresses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX IS NOT MY PREVIOUS ADDRESS. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX IS NOT MY PREVIOUS ADDRESS. Check the dates that I printed these document as well. One document is a print out and the other is from a website screen shoot of my personal information. Both come from Experian website.

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 2021-11-20 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: I.C. System, Inc.
State: GA

Complaint narrative:
The previous submitted complaint was never resolved. IC systems has replied to the complaint and stated they have sent a response and did not. I have no contractual business with IC Systems and they have not responded to my initial letter.

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 2021-11-20 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XXXX XXXX XXXX of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
In XXXX, XXXX I purchased with very specific details in writing a custom Chair from XXXX XXXX of XXXX, XXXX and charged it to my American Express credit card. It was delivered to my home on XX/XX/XXXX. I immediately called and texted the Sales Representative, XXXX XXXX and told her the merchandise XXXX was not what I ordered or expected and to make arrangements to pick up the chair and process a return. The store.representative XXXX XXXX provided ill advice and the store never made immediate arrangements to pick up the chair. After waiting on the Merchant to take corrective action. I opened a dispute with American Express XX/XX/XXXX and asked for a charge back and returned the defective merchandise to XXXX. As of XX/XX/XXXX this matter remains an issue that I am left to deal with on my own. the merchant has refused to issue a refund using the excuse, American Express failed to inform them the dispute is closed. American Express did not do their due diligence and investigate this matter properly and provide protection based on the CFPB guidelines. American Express and their Agents misrepresented their intentions to provide relief to me and handle my dispute responsibly and due to American Express abject failure I am now at the mercy of an unscrupulous merchant ( XXXX XXXX of XXXX, XXXX ). As of XX/XX/XXXX American Express has not reversed the charges, after I have submitted testimony, evidence and made numerous calls that the charges should be reversed. The charges continue to incur interest and reporting as a legitimate balance on my account. I have suffered undue financial harm and stress based on American Express inaction and biased treatment and compel the CFPB to act on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-20 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: PNC Bank N.A.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
Called several times during the last four months to this mortgage company that voluntarily and with purposely tried to still my money. Making reference to the COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021. They voluntarily tricked me with the escrow payments. They received the reimbursement from the XXXX XXXX XXXX tax office and they never reconciliated the payments that I make. This resulted in the lost of over a {$1000.00} from my money, and a fault report to the credit bureau. They stole over the previous mentioned money due to a scan to still money of their customer, and after several calls to their customer service department, still no action from them. It's a never ending story to still money from disable veterans like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX now PNC to let them know my personal checking accounts were compromised by one of their employees at the XXXX Ca branch. The employee 's name is XXXX XXXX. I had XXXX business account and XXXX personal accounts. Only one of my business account I had a cosigner, XXXX XXXX XXXX. I had to travel to XXXX due to personal matters ; therefore, I was not in the United States. On XX/XX/XXXX XXXX XXXX gave full access to all of my checkings account including the one he was not a cosigner. She also gave him full access to my online banking giving him my ID and password. With this, XXXX tried to take out money from my personal account. When I noticed all of this, I contacted the bank on XX/XX/XXXX and told them all the situation. On XX/XX/XXXX the bank contacted me and gave me a case ID : XXXX. 
The bank opened an investigation regarding this matter but they did not do anything. The only thing they did was close my accounts and open new ones. The employee, XXXX XXXX, is still working there and I have the same risk that my account gets compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: Kriya Capital, LLC
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX am I made an online order for pizza for around {$100.00}. Discover Card declined the transaction and made me 'verify ' the purchase through email. Discover is comprimising the security of my account making me unable to use my card for legal purchases without the use of the internet and a computer and an email or a telephone service. I have 60 days under XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX to dispute a fraudelent credit card charge yet Discover requires me to reverify a purchase within XXXX seconds. It is an unfair burden of my time and resources to make transactions, further to use this card the consumer has to have access to expensive resources such as : internet, email, phone, from other parties not associated with the account and for which the consumer has no control over. Technology is supposed to make life easier, not more complicated. Computers are supposed to serve humanity, humans do not need to submit to robot masters or algorithms to interact with each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXXXXXX bank was the original debtor owed. XXXX bought this account and tried to collect a debt, Well I didnt sign any contract with LVNV so this debt should be void. This has been going on since 2016 and it shouldnt be on my reports in the first place. If no contract or verbal authorization from myself was approved then legally they can not collect and should be taken off my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: TX

Complaint narrative:
I had provided proof and documentation that the account shown on my credit report is in accurate youre supposed creditor also provided proof and document stating that I do not owned it and therefore should not be shown on my credit affecting my credit in a negative manner please remove and update the changes to reflect on my credit report immediately. XXXX consumer account must be removed immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: SC

Complaint narrative:
I provided Equifax with an FTC report and the law clearly states the following : XXXX XXXX Code XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Equifax received my FTC report ( attached here along with my full dispute ) and they did not follow the LAW. Equifax is not superior to the UNITED STATES LAW and MUST comply with Code of federal regulation. They made claims to verify the accounts however, under section XXXX ( a ) ( XXXX ) ( A ) they have to provided me with any physical proof, a consumer contract with my signature proving ownership of what they are reporting. Equifax is not doing their job and they are costing me my natural rights to credit. I have included my full dispute along with every violation and punishment available by law if Equifax does not rectify my credit report immediately. I will hold all parties accountable and will seek my full remedy for all violations and hold Equifax and all accomplices criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2021 I made a purchase for a pair of shoes to attend a funeral out of state. I used my Kohl 's XXXX XXXX to make this purchase and the total was {$69.00} after the item had not arrived after a week I called to inquire about my purchase and was told my order had been lost. I asked that they refund the entire amount back to my Kohl 's charge which would have made the balance on my account {$0.00} on XX/XX/2021 Kohl 's refunded {$59.00} leaving a balance of {$9.00} which was determined to be the shipping charge plus tax on shipping. When I saw this I made XXXX phone calls to Kohls to resolve this issue and was told it would be XXXX  days before the credit would be issued due to system policies. Waiting XXXX days would mean that I would be late on the payment to my account and that I would have to pay for a service that I never received. I asked to speak to a supervisor was placed on hold for XXXX minutes and when returned to a live agent again was told not to worry, though this is my credit history and credit reporting we are talking about. I asked why it was taking so long and why I had to go through so much work to get my refund when it wasn't done correctly to begin with. They didn't seem to care. So now I have the payment scheduled for the due date so that I do not get a late fee or a hit to my credit report. All I am asking is that a consumer not have to wait XXXX days for a refund on a store credit card when they control the system. I feel as if they are being deceptive in business practices and forcing consumers to pay unjust late fees or to just pay a fee to make money off of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-20 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: TX

Complaint narrative:
I have attempted several times to get my credit report updated on the inaccurate information and remove the account from XXXX consumer as where even the creditor even stated in the attached document stating that I do not owe a debt to that company.

Company response to consumer: Closed with explanation