vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I recently checked my credit report and noticed some inaccurate accounts reporting. 

There is inaccurate information on all creditors for last reported, active, open, and payment date doesn't align with each creditor. Late payments are also different as well when creditor reported it to the credit bureaus. 

There are so many inaccurate information that has been falsified and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I applied for Barclays XXXXXXXX XXXX on a airplane ride back home a couple months ago, and as soon as I received my card in the mail, I called Barclays and the representative that I spoke to basically told me that I had up to a year to pay the annual fee fast forward to today. I looked at my XXXX because I got an alert and it stated that I had XXXXXXXX XXXX removed off my credit score so I right away called Barclays asked to speak to a manager and basically explain the situation and what I was told by the representative and she basically told me that her employee that I asked if they trained and she said yes, gave miss leading miss information that everybody isnt perfect and people make mistakes and I said as a consumer thats not OK because If im am getting trained by a company, Im not able to say what I want to. There will be consequences for that action I said so as a consumer, how can you help me because your employee told me something and now I got XXXX XXXX removed off of my credit score and she said maam we can retrain that employee that theres nothing that ai can do for You and I stated to her that I would be reporting her company because its not OK as a consumer I want to know how I can close down this card because I do not want to do business with a company who gives out Misinformation or treat a consumer like this Ive never been late on a payment. Ive never made a payment late in my life. Nothing negative has ever gotten reported to XXXX Please help me get my XXXX XXXX back put on my account with XXXX XXXX and Help me CLOSE down this SCAMMING COMPANY AND card with Barclays. I have a full recording of her whole entire conversation. She was very rude to me. Ive never been treated like this, especially from a credit card company. I could see if I Owe thousands and thousands thousand dollars on this account but I dont owe anything Ive never purchase and no transactions were made on this account. Please help me. Everybody that I meet I will tell all about my experience with frontier, Barclays XXXX XXXX, and how they treated me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
A collection by Transworl Systems Inc for XXXX continues to appear on my credit report. This account was paid in XXXX and has a XXXX balance. I will like to have the creditor completely remove this item from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I updated my address, phone and email with all 3 credit bureaus back in XX/XX/year> over the phone with each bureaus customer representative. I requested to have all XXXX reports sent via postal mail. I only received XXXX and never received XXXX XXXX or Equifax. I have online accounts with all XXXX bureaus and checked to see if the info was updated. The info I gave them in XXXX was updated initially and then somehow changed without my knowledge. My address reverted back to an old address and also listed are random addresses Ive had over the years. This is not the 1st time this has happened. This is constantly happening and it seems to be with XXXX XXXX and Equifax the most. I can never get the info I need mailed to me, the info gets altered and not by me and the information becomes very confusing for no reason. This has also happened in my student loan online account and a few bank accounts. I do not know how or why certain addresses are being changed without my knowledge. This has caused me to not be able to keep track of my credit and prevents me from getting any type of credit for anything because the information will not match up. I have had my address changed without my knowledge to places I never lived but walked into like post offices or walked passed like random addresses in whatever area I was in. This is making me feel like I am being XXXX which I have been a victim of in the past. I am not sure how the info is being changed or when it happens because I find out weeks or months later. I have asked when and how the changes happened and none of them have any answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am submitting this request due to SPRING OAK CAPITAL erroneous reporting onto my credit report NOT ONCE BUT TWO TIMES!!!!! 

I have NEVER EVER IN MY LIFE conducted business with this company by the name of SPRING OAK CAPITAL and from my understanding on the research I've completed they're a debt collector whose falsely attempting to collect a debt that isn't theirs. I've requested that XXXX provide proof of this alleged debt. By Proof I am requesting the ORIGINAL APPLICATION/ CONTRACT and NOT some copies that they've received and purchased for little pennies and trying to get substation-ally amount of hundreds of dollars BUT A INSTRUMENT BEARING MY SIGNATURE WITH SPRING OAK CAPITAL Reference Number : XXXX. In addition please provide the contract signed between SPRING OAK CAPITAL AND WHOMEVER THEY PURCHASED THIS DEBT FROM ; a notarized and sworn under penalty and perjury for SPRING OAK CAPITAL to have the ability to collect this alleged debt. Debt collectors/ BUYERS are not CREDITORS, therefore they're in violation of FDCPA. Please also provide to me where it states debt collectors are ABLE to collect debt that ARE NOT theirs. They are being WILLING-FULLY non compliant. This is inaccurate reporting! AND PER MY RESEARCH According to 15 USC 1681e : Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAX POSSIBLE accuracy of the information concerning the individual about whom the report relates! I BEG OF YOU TO INVESTIGATE THIS CONCERN BECAUSE THIS IS REFLECTING MY LIVELIHOOD. THANK YOU IN ADVANCED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: GA

Complaint narrative:
See attachment. I want my personal information updated on my credit report. The attached letter will outline my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
to whom this may concern this been hard for me for these couple of months find out about a bankruptcy report on my credit profile i want this matter to reinvestigate Asap

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 2024-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
On numerous occasions i've asked this company to verify my debt in which they have not done so properly and legally under the FDCPA. 
This company is illegally holding me to a debt that has not been verified using unacceptable practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Student Loans : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: WI

Complaint narrative:
There were credit cards opened in my name without my knowledge and I didnt authorize or give my consent I believe a XXXX member or XXXX fraudulently use my name without my knowing- I would like for the debts from the fraudulent credit cards be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: Fay Servicing, LLC
State: DE

Complaint narrative:
to whom this may concern this been hard for me for these couple of months find out about a bankruptcy report on my credit profile i want this matter to reinvestigate Asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
to whom this may concern this been hard for me for these couple of months find out about a bankruptcy report on my credit profile i want this matter to reinvestigate Asap

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 2024-07-14 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
Ive been trying to collect an overpayment that I made in XXXX it was almost {$900.00} they sent me a check that I didnt cash since I was in the XXXX with my XXXX going through XXXX, they said theyd look into it, but ultimately that they sent the funds to the state due to unclaimed funds ; contacted state they said nothing wasnt sent to them from the mortgage constant. I just want my money to pay other bills.

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 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2024 I tried to open a basic checking account with Capital One but was denied and without even waiting for a response from the bank, I am 100 % certain it was because of some bogus " deposit score '' calculated by XXXX XXXX since this exact same thing happened to me XXXX years ago. I make over XXXX XXXXXXXX, my current XXXX score is over XXXX, i.e., EXCELLENT, and I have NEVER had a delinquent bank account. The account I tried to open is a deposit account and there is no justification whatsoever to be denied based upon my income and credit score, not some arbitrary " deposit score '' assigned by an unaccountable and UNREACHABLE agency ( I repeatedly tried to speak with someone in charge at XXXX XXXX XXXX years ago to no avail ). These consumer reporting companies ( NOT credit reporting agencies ) need to be held to much higher standards. 

I'm not going to waste my time speaking to a useless front line Capital One rep who won't be able to resolve this. Someone in a position of authority needs to call me, look at my overall financial profile, and open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: NJ

Complaint narrative:
Upon reviewing my consumer report I have discovered some instances of late payments on accounts for which I have always maintained timely payments. Consumer reporting agencies play a consumer role in accurately reporting consumer information, It is imperative that this information be reported with the utmost accuracy I have never missed a payment on the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX pursant to 15 Usc1681 ( b ) Accuracy of Report Whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual who the report relates,,,,,,,

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 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I I close this account on XX/XX/year>. At that time the agent I spoke to said that they would refund a late fee of {$40.00} by check. When I contacted the customer service line today, I was told that there was no record of the refund. After speaking to five separate agents over approximately XXXX minutes, I was finally given a po box number if I chose to write a letter of complaint. However, the final agent would not tell me whether this was the actual address of their corporate headquarters. In addition, none of the agents would provide me with either the first name or the company ID number of the agent who I spoke to on XX/XX/year>. In fact, one agent said that they had no written record but could see that the account was closed on XX/XX/year>. Another agent that there was a written record of the interaction, but had to refer me to a higher level agent. It is fair to say, the majority of these agents did not have XXXX as their first language. Communication was difficult to say the very least. At no time did any agent offer any option to help solve this problem. In fact, it felt like the longer that they kept me on hold. The general assumption was that I would eventually give up and hang up. However, I lasted the entire XXXX minutes. But, it was a total waste of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XX/XX/year>. This CFPB XXXX has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion, the XXXX, and the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans : XXXX account XXXX XXXXXXXX, XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of hard inquires in question as well. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XX/XX/1983. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX, the Equifax, and the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of hard inquires in question as well. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XX/XX/1983. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX, the XXXX, and the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans : XXXX account XXXX XXXXXXXX, XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of hard inquires in question as well. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.

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 2024-07-14 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Apple Inc prompted me to apply for their credit card, the Apple Card. Before the application, it said that it will have no effect on my credit score. After I filled the application, my credit score was lowered due to their hard enquiry. I called them and told them that it was clearly said that there will be no effect on my credit score. They said yes we said that but there is effect and we can't help you reverse it. This is fraud.

Company response to consumer: Closed with explanation