vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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: OR

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are imcomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts. [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX ] are not complete and accurate. 

[ XXXX XXXX XXXX & XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXXXXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone opened a credit card account in my name under XXXX XXXX and it brought my XXXX XXXX down XXXX points. Keep in mind Ive never had a capital XXXX account.. opened at least. And now Im getting a weird email in my email as well. The pictures below will display the weird email, and the credit score drop as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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:
these are the fraudulent accounts that I seen on my credit report : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity 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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was notified that there was a hard check on my credit, I did not authorize this action. I contacted Capital One and stopped the credit card application. This occurred on XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXXXXXX XXXX XXXXXXXX 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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I filed a law suit against M & T Bank in the United States District Court For the XXXX XXXX XXXX Florida XXXX XXXX which it's still in dispute and litigation. M & T Bank are reporting negatively on my credit report while in litigation which is in violation of Federal Credit Reporting Act.

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
All necessary information is included in my previous reports of PNC Bank. They have now blocked me from calling them, emailing them, and on all social media. All I want is MY MONEY BACK. They are avoiding dealing with any of this and continue to tell you, and the XXXX that they are " working on it. '' They are not working on anything, anytime I actually was able to talk to them, they just kept telling me they won't change their decision. They have never investigated the situation and have never tried to give me the money back that is mine. There is no way they are working on anything, they have not talked to me or tried to call me since XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
XXXX  XXXX  dealership ran my credit report multiple times without out my permission with different banks Between XXXX and XXXX. I reached out the dealership and the XXXX Consumers Affairs.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
After reviewing my credit report, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I believe XXXX XXXX XXXX sold my phone number to PRA Group aka Portfolio Recovery and now I am receiving repeated and almost daily calls from different numbers from this company. 

( XXXX ) XXXX PRA Group - XXXX XXXXXXXX XXXX number blocked ( XXXX ) XXXX PRA Group - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked. 

I DO NOT have an account with PRA Group aka Portfolio Recovery, and they have not mailed or emailed anything to me detailing this non-existent debt. 

XXXX XXXX XXXX complaint number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: TX

Complaint narrative:
I placed an order on XX/XX/2024 with merchant at this website XXXX XXXX XXXX order # XXXX with the AfterPay pay in 4 option. I let a week pass and no shipping confirmation was sent or reason for delay. I emailed the customer service email they provided on their order confirmation which is XXXX on XX/XX/2024 to ask for an update on shipping and my order. There has been no response to this email to date. I emailed them again on XX/XX/2024 to please cancel my order and issue a refund to AfterPay ( my payment method ) since my order had not shipped. There has been no reply to this email to date. I followed AfterPay 's policy to open a dispute on XX/XX/2024. To date, they have not issued a chargeback in order to have the merchant refund. They responded on XX/XX/2024 and XX/XX/2024 to the dispute stating that they do not have an update but that it's in progress. I need them to file a chargeback and issue my refund for the amount I've paid. I've paid {$26.00} to date and my next installment is due. on XX/XX/2024. They need to file a chargeback of {$35.00} from the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I serve in the U.SXXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX XXXX I submitted all required documents to XXXX XXXX XXXX XXXX to XXXX, and confirmed with Kia 's customer service over the phone that the documents were received and that I would have an approved transportation letter within three business days. By the XXXX, I still hadn't received the letter, and called back where I was told that Kia " received the documents on the XXXX '' and that it would take five business days to process the documents. I escalated this with Kia and was told I would have the letter by the end of the XXXX. Today, on the XXXX, I still have no letter, and Kia is telling me it will take up to three business days to get the letter sent. 

The best a customer service representative did on the XXXX was send an email to the transportation department asking for my situation to be fast tracked, but I have little to no hope this will provide any assistance. 

For reference, Kia Finance manages vehicle transportation requests, and I needed the letter by the XXXX for a shipment scheduled on the 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 2024-04-22 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/XXXX I opened a dispute with Goldman Sachs regarding a transaction on my Apple Card. I provided the initial contract for the services I signed, receipts of payment, and a statement saying I did not receive the services outlined in the contract. On XX/XX/XXXX I was told the outcome of the dispute was that the evidence provided confirmed the services were received. This is untrue because there was no merchant response to the dispute and all the evidence I provided stated that there was a contract that was not fulfilled. I reopened the dispute that same day. 

I had split up this purchase across XXXX cards, and the other card found the dispute legitimate with the same evidence provided. When I reopened the Apple Card dispute I provided them with the other card investigation findings and dispute outcome. 

On XX/XX/XXXX I was told the outcome of my dispute was the same and there is not enough evidence to say I did not receive the services. I called customer support and they said many people provide pictures of empty porches or things indicating there was nothing received. I reopened the dispute on that day. 

Its a service so I couldnt do that, so instead I convinced the merchant to sign a letter stating I did not receive the services outlined in the contract and no refund was issued. All members of the original contract signed the statement. 

On XX/XX/XXXX I received a notification saying that all the evidence provided was not sufficient to substantiate the claim. Up to this point I had provided the initial contract, payment receipts, a third party dispute investigation resulting in a legitimate dispute finding, a written statement by me detailing what happened, and a written and signed statement by all signers of the original contract stating the services were not received and no refund was issued. There has still been no merchant response to this dispute. The Apple Card rep stated there is no documentation related to a refund- if the dispute investigation team had read the documents provided, they would see a refund is covered in both the contract AND the signed statement from all the signers of the contract. I reopened the dispute on XX/XX/XXXX. It currently remains open for the XXXX time. 

It has been over 6 months since my initial dispute was opened. I have provided sufficient evidence proving that the services were not provided. Based on the responses from the dispute investigation team, they are not reviewing the evidence provided as each request is provided in the documented evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute and demand the immediate deletion of the XXXX XXXX account information that you have reported on my credit report. I have previously requested, in good faith under Rule 1002 of the Fair Credit Reporting Act ( FCRA ), the documents that demonstrate proof of compliance with the legal requirements pursuant to sections 15 USC 1666b and 1637 ( b ). Specifically, I requested proof of the mailing or delivery of information required 21 days before the payment due date, as mandated by section 1666b.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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